Finkoin Analyse
Know your financial health score in 5 minutes
Free check for India — emergency fund, term insurance, debt, and investments. No PAN. No Aadhaar. Clear next steps, not a lecture.
Free to start · Built for Indian salaries & EMIs · Takes ~5 minutes
What Finkoin checks
Four pillars that decide whether your money plan is resilient.
Emergency fund
Are you covered for 3–12 months of essentials if income pauses?
Term insurance
Is your cover enough for dependents — or is there a silent gap?
Debt load
EMIs and credit stress vs income — what is sustainable.
Investing habits
SIPs and long-term savings vs lifestyle leak.
How it works
- 1
Answer simple money questions
Income, EMIs, insurance, and investments — no jargon wall.
- 2
Get your health score
See what is strong and what needs attention, in plain language.
- 3
Follow a fix plan
Prioritised actions for India: emergency fund, cover gaps, debt, SIPs.
Common questions
- What is the Finkoin financial health check?
- A free 5-minute assessment that scores your emergency fund, insurance cover, debt load, and investing habits — built for Indian salaries, EMIs, and goals.
- Do I need PAN or Aadhaar?
- No. Finkoin does not ask for PAN or Aadhaar for the health check.
- Is it really free?
- Yes. You can start the core financial health check free. Sign in only when you are ready to save your plan.
- What do I get after the check?
- A score out of 100, clear gaps (like emergency fund or term cover), and a practical fix plan you can act on month by month.
Ready for your score?
Create a free Finkoin account and start the financial health check.
Start free health checkAlso explore SIP calculator · Finkoin Split