A gentle check on common money habits. No judgement, just insights.
Fill in the form and click "Check My Habits" to see insights
⚠️ Disclaimer: This tool is for educational purposes only. It provides general guidance and is not financial advice. Please consult a certified financial planner for personalized recommendations.
This tool looks at your basic financial habits (savings rate, where your money is, debt) and highlights common mistakes people make. It is a gentle check-up, not a judgement. The goal is to help you spot areas where small changes could help.
💡 The tool flags: low savings rate (under 10%), idle cash in savings, and taking stock risk without an emergency buffer. These are common but fixable.
Aim for at least 20% of your income after taxes. If that is not possible now, start with 10% and increase gradually.
Not bad for emergencies, but large amounts lose value to inflation over time. Consider moving excess to FDs, liquid funds, or investments based on your timeline.
Try to keep total EMIs (home, car, personal) under 40% of your monthly income. Higher than 50% can be stressful.
Pay off high-interest debt (credit cards, personal loans) first. Home loans at low interest can coexist with investing.
Great! It means no common red flags were detected. You can still explore other tools to optimize further.
⚠️ Disclaimer: This tool checks for common patterns only. It is not a complete financial analysis. Consult a professional for detailed advice.
