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Financial Health Check Individuals

Free Financial Health Checkup โ€” Personal & Business | PaisaPedia
โœฆ Free ยท No Login Required ยท Results in 3 Minutes

Know the Real Health
of Your Finances

Get a CFO-grade financial health score โ€” for your personal finances or your business. Understand exactly where you stand and what to fix first.

5+ Score Parameters
3 min To Complete
Free Always
CFO Grade Analysis
โ†“   Scroll to start your checkup
๐Ÿ”’ 100% Secure & Private
๐Ÿ“Š RBI-aligned Benchmarks
๐Ÿ‡ฎ๐Ÿ‡ณ Built for Indian Market
โœ… No Hidden Charges
๐Ÿ“ž Expert Advisory Available

How It Works

From Data to Diagnosis
in Three Steps

No jargon, no confusion. Just fill in the numbers โ€” we do the CFO-level analysis for you.

01
๐Ÿ“

Enter Your Numbers

Fill in your income, expenses, assets, and liabilities. Takes 3โ€“5 minutes with your statements handy.

02
โš™๏ธ

Our Engine Analyses

We run 10+ financial ratios โ€” savings rate, debt stress, liquidity, profitability, EVA โ€” against Indian benchmarks.

03
๐Ÿ“‹

Get Your CFO Report

Receive a scored health report with Traffic Light diagnosis, priority actions, and expert recommendations.

04
๐Ÿš€

Take Action

Connect with our CFO Advisory team or explore business loan options โ€” all tailored to your score.

Choose Your Checkup

Start Your Financial Health Check

Personal Financial Health Checkup

Are you saving enough? Is your insurance adequate? Do you have an emergency fund? Our personal finance calculator benchmarks your situation against best practices and gives you a score out of 100 with a clear action plan.

Covers: Savings rate ยท Emergency fund ยท Life & health insurance ยท EMI burden ยท Retirement planning ยท Goal tracking

What You'll Get

Financial Health Score (0โ€“100)
Savings & Cash Flow Analysis
Insurance Gap Calculation
Emergency Fund Status
Goal Feasibility Check
Priority Action Plan
Downloadable PDF Report
1Profile
2Finances
3Protection
4Goals
๐Ÿ‘ค

Personal Profile

Tell us a little about yourself.

๐Ÿ’ก Did You Know? Indians earning โ‚น50,000/month need a minimum โ‚น54 Lakh life cover โ€” most are dangerously underinsured.
+91

SME Business Financial Health Checkup

Is your cash stuck in debtors? Is your debt burden sustainable? Are you creating real value or just running a sophisticated FD? Our CFO-grade engine analyses your P&L and balance sheet to give you an honest diagnosis.

Covers: Cash Conversion Cycle ยท Liquidity ratios ยท Profitability margins ยท Debt stress ยท ROE & EVA

What You'll Get

SME Health Score (0โ€“100) + Grade
Cash Conversion Cycle Analysis
Liquidity & Acid Test Check
Profitability Leak Diagnosis
Debt Stress Test (ICR, D/E, DSCR)
EVA vs FD Benchmark
CFO Advisory / Loan CTA
๐Ÿข
Business Profile
๐Ÿ“Š
P&L Data
โš–๏ธ
Balance Sheet
๐Ÿ‘ค
Aapki Details
๐Ÿข

Apne Business ke baare mein batao

Basic profile โ€” iske basis par hum industry benchmarks set karenge

Step 1 of 4

What We Measure

10+ Financial Ratios.
One Clear Score.

๐Ÿ’ง
Savings Rate
How much of your income is actually being saved each month
๐Ÿ”„
Cash Conversion Cycle
How long โ‚น1 takes to become โ‚น1.20 in your business
โš—๏ธ
Quick Ratio (Acid Test)
Can you pay all short-term debts without selling inventory?
๐Ÿ“‰
Interest Coverage
Is your profit enough to cover your interest payments โ€” comfortably?
๐Ÿงฎ
Debt-to-Equity
Are you working for your bank or for yourself?
๐Ÿ’ฐ
EVA vs FD
Is your business earning more than a simple Fixed Deposit would?
๐Ÿ›ก๏ธ
Insurance Gap
Life & health coverage required vs what you currently hold
๐ŸŽฏ
Goal Feasibility
Are your financial goals achievable at your current savings rate?

Common Questions

Frequently Asked Questions

What is a financial health checkup?
A financial health checkup evaluates your savings rate, debt levels, insurance coverage, emergency fund, and investment goals to give you a score and actionable recommendations โ€” like a health check-up, but for your money.
Is this financial health tool free?
Yes, completely free. No login, no credit card, no hidden charges. PaisaPedia's tools are built to give every Indian โ€” individual or business owner โ€” access to CFO-grade financial insight.
What is an SME financial health score?
It's a CFO-grade score (0โ€“100) based on your business's Cash Conversion Cycle, liquidity ratios (current & quick), profitability margins, debt stress (ICR, D/E, DSCR), and return on equity. Think of it as your business's medical report.
How long does the checkup take?
The personal finance checkup takes about 3 minutes. The SME business checkup takes about 5 minutes โ€” you'll need your P&L and balance sheet numbers handy.
What is EVA and why does it matter?
Economic Value Added (EVA) tells you if your business is creating real wealth โ€” i.e., earning more than what you'd get from a simple FD at 7%. If not, you're technically in an "economic loss" even if your P&L shows profit.
What is Cash Conversion Cycle (CCC)?
CCC = Days Inventory Outstanding + Days Sales Outstanding โˆ’ Days Payable Outstanding. It tells you how many days your cash is "locked up" in operations. A lower CCC means faster cash flow and a healthier business.
Will my data be shared with anyone?
Your financial data is used only to calculate your score and generate your report. If you opt in, basic lead data (name, phone, email) may be shared with our advisory team to follow up on your results.
What happens after I get my score?
You'll get a full report with a Traffic Light diagnosis (๐ŸŸข๐ŸŸก๐Ÿ”ด), module-wise breakdown, priority action plan, and smart recommendations. If your score needs attention, our CFO Advisory or Loan team can help.

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