MPMoney Planning Calculators
HEALTH SCORE--
7–10 minIndia-focusedEducational

Portfolio Health Check

A 7–10 minute diagnostic for working Indians. Get a snapshot across six areas that matter for long-term wealth.

This is a detailed calculator. Start with approximate values. Skip fields you do not know.

Guided diagnostic

Step 1 of 4

Money

Assets

Loans

Advanced

Start with approximate numbers. Advanced assumptions are optional and can be skipped.

What unlocks next

1

Money picture / savings

Start with income, expenses, investments, and emergency cash. Approximate values are fine.

How does money flow in and out each month? This helps the score understand whether regular saving is happening.

₹
0₹1000000₹

What lands in your bank account after PF, TDS, and deductions.

₹
0₹500000₹

Regular costs like rent, food, bills, transport, and insurance. Do not include EMIs if there is a separate field.

₹
0₹500000₹

All regular investments: mutual funds, stocks, RD, PPF top-up, etc.

₹
0₹3000000₹

Money you can access within a few days if income stops.

2

Asset values

Add what you own across major asset types. These values drive allocation and liquidity diagnostics.

Enter approximate rupee values for each asset class. We'll calculate your portfolio value and percentages automatically.

₹
0₹50000000₹
₹
0₹50000000₹

US stocks, global mutual funds, ETFs, or international equity exposure.

₹
0₹50000000₹
₹
0₹50000000₹

Retirement-linked savings. EPF is deducted from salary. PPF is the 15-year scheme. VPF is extra PF contribution.

₹
0₹50000000₹
₹
0₹100000000₹
₹
0₹20000000₹
₹
0₹20000000₹
₹
0₹20000000₹
3

Liabilities / loans

Enter your monthly EMI total if you have active loans. Leave it at zero if you do not.

This helps the diagnostic understand debt pressure without judging the portfolio. Include home loan, car loan, personal loan, education loan, and credit-card EMI amounts if applicable.

₹
0₹300000₹

Use the total EMI you pay every month.

No EMI entered. The debt-pressure check will stay light unless you add loan payments.

Enter your asset values to see your Health Score

Add at least one asset class in Section 2 to begin.

How to read this diagnostic

Treat the score as a guided snapshot of the numbers entered, not as a judgement on the portfolio.

Start with completion

A more complete money picture, asset list, and liability entry gives the diagnostic more context.

Read the drivers

The score is built from saving behaviour, diversification, liquidity, costs, inflation resilience, and income reliability.

Use caveats

Taxes, fees, exit loads, lock-ins, illiquidity, and future market returns can change the real outcome.

How this score is built

This score is built from six areas. The final score is a broad diagnostic based only on the numbers you enter.

Am I saving enough?

Up to 20 points

Looks at monthly SIP or investment compared with take-home pay.

Is my money spread out?

Up to 20 points

Checks whether too much money is concentrated in one asset type.

Can I access cash if needed?

Up to 20 points

Looks at liquid assets and emergency fund months.

Are fees eating into returns?

Up to 15 points

Uses tax, fees, and annual cost assumptions where entered.

Can my money keep up with rising prices?

Up to 15 points

Checks whether growth or income assumptions can handle inflation.

Is portfolio income reliable?

Up to 10 points

Looks at income stability. SWP is treated as corpus drawdown.

Important

This is an educational diagnostic, not a financial plan. The score depends on the numbers you enter. If some inputs are missing, the score may be incomplete. Return assumptions are not guaranteed.

Show formula details

Score = Saving enough (20) + Spread out money (20) + Accessible cash (20) + Fee impact (15) + Price-rise resilience (15) + Income reliability (10).

Asset allocation percentages are derived from rupee amounts entered. Portfolio value is calculated as the sum of asset values by default. Benchmark return mode estimates returns from editable percentage assumptions.

Frequently asked questions

What is a portfolio health check?
It is an educational diagnostic snapshot of your portfolio inputs, including saving behaviour, diversification, liquidity, costs, inflation resilience, and income reliability.
Is this investment advice?
No. The score is not a recommendation to buy, sell, hold, or choose any product. It is a structured way to review assumptions and possible weak spots.
What inputs do I need?
The calculator works best with income, expenses, assets, liabilities, allocation, tax, fee, inflation, and income assumptions. Partial inputs can still be useful but give a partial picture.
What if I do not know every number?
Enter the numbers you know and treat the output as incomplete. Unknown costs, taxes, lock-ins, or illiquid assets can change the diagnostic result.
What does the score mean?
The score summarizes the inputs across diagnostic pillars. It is meant to highlight areas to review, not to judge the portfolio or predict future returns.
Are taxes and fees included?
Only when you enter them in the relevant fields. Tax drag, exit loads, expense ratios, advisory fees, platform fees, and product lock-ins may be excluded or simplified.

Educational estimate only. This calculator uses simplified assumptions based on your inputs. Actual outcomes may differ because of market returns, taxes, fees, inflation, product rules, exit penalties, lender charges, and personal circumstances. This is not financial, investment, tax, or legal advice. This is a diagnostic snapshot based on simplified inputs. It is not a financial recommendation to buy, sell, switch, or choose any allocation.