Dhanguru – Your Personal Finance Copilot

Financial Summary

Here is a summary of your current financial health and projections for the future.

This is your overall wellness score based on savings, debt, insurance & safety net.

Financial Health Score

🔍 Score Breakdown

Alerts

- You are not contributing to an emergency fund.

- No health insurance detected.

- Passive income is less than 10% of your income — aim to diversify beyond active income.

- Your liquid savings are low — this may reduce flexibility during emergencies.

Recommendations

• You have ₹50000 free each month — consider increasing your SIP.

• Start contributing to your emergency fund to reach 6-month cushion.

• Explore investing in mutual funds or bonds to grow your idle cash.

• You have no visible assets. Consider investing in stocks or mutual funds to build wealth over time.

Monthly Stats

🔥 Burn Rate

INR 50000

📉 EMI Burden

INR 0

💹 Savings Ratio

50.0%

📥 Passive Income

INR 0

💰 Free Cash Flow

INR 50000

💡Runway

∞

You’re saving more than you spend. Keep this up and your financial resilience will only improve.

Net Worth

📊 Net Worth

INR 0

🧱 Asset-to-Debt Ratio

∞

You have more assets than debt. Keep building your wealth!

Insurance

🛟 Emergency Fund Coverage ETA

You are not contributing to an Emergency Fund.

You might need to break your investments to cover emergencies.

🛡️Term Insurance

INR 0

🛡️ Health Insurance Cover

INR 0

Consider getting a health insurance policy to cover unexpected medical expenses.