Let's start with you
Answer honestly — there are no wrong answers here, only useful ones. Takes about 3 minutes.
What's your full name?
Please enter your name using letters only.
Which year were you born, and by what age would you ideally like to stop having to work?
Please enter a valid 4-digit birth year (e.g. 1988).
Please enter an age between 30 and 75.
How much money comes into your home every month? Add every source — your salary, your spouse's, rent, business. Not CTC. The real number.
Please enter your monthly household income — this is needed to calculate your report.
Roughly how much does your household spend every month, all-in?
Tip: check your bank statement or UPI app's monthly spends — most banking apps now show this automatically, and it'll give us a far more accurate number than a guess.
Please enter your monthly spend — this powers the rest of your report.
Who depends on your income to maintain their current life — and for how many more years?
Imagine you check your equity mutual funds and they're down 30% from what you invested — a common scenario in a market correction. What is your first instinct?
Sell immediately and move to FD / safety
Do nothing, but it will bother me every day
Invest more — this is exactly when I should buy
Stay invested — markets often correct within 2 years
What you owe, and what you've set aside
This is where most people realise they've never actually added it all up.
If you stopped earning tomorrow, what do you still owe — home loan, car loan, credit cards, anything else?
Add up the total outstanding amount across everything. Enter 0 if none.
Please enter a valid amount (0 or more).
Every month, before your salary even lands, how much is already locked in for EMIs and fixed loan payments?
Please enter a valid amount (0 or more).
If your income stopped today, how many months could your family live exactly as they do now — without selling any investment or borrowing?
Not sure? Use the calculator below — we already know your monthly living expenses from what you shared earlier.
Your reported monthly living expenses
₹0
Savings account, FDs you'd break instantly, liquid funds — not your SIPs or retirement accounts
→ That covers you for
— months
Already know your number? You can enter it directly instead.
Please enter the number of months (0 or more), or use the calculator above.
What's your employment type?
Please select your employment type.
Please select your sector.
How much of your monthly SIPs and investments are automated — set up to run every month without you lifting a finger?
Please enter a valid amount (0 or more).
Please enter a percentage between 0 and 100.
What happens if things go wrong
The questions nobody enjoys answering — but the ones that matter most for your family.
Do you have life insurance? Select everything that applies — many people have more than one type.
Term plan — pure protection only
Endowment / money-back — also promises returns
ULIP — insurance bundled with market investment
I don't have any life insurance
Please select at least one option, or "I don't have any life insurance".
If something happened to you tomorrow, how much would your family receive in total — across all policies?
We'll show you how many years of your current income that actually replaces.
Please enter your total sum assured.
Think about the last hospital bill in your family — yours or anyone close to you. Roughly what did a few days in hospital cost?
If you've been lucky enough to avoid this, take a guess. Enter 0 if you'd rather not estimate.
Please enter a valid amount (0 or more).
What is your current health insurance cover amount — for yourself and your family?
Please enter a valid amount (0 or more).
Please enter at least 1.
What financial goals are you working towards?
Enter a target amount for each goal that applies to you. Leave blank for goals that don't apply. These feed directly into your required insurance cover calculation.
Now, what are you actually invested in?
Tell us what you remember — as much or as little. Your advisor will verify every detail against your official records, so don't worry about getting it exact.
List everything you're invested in — mutual funds, stocks, FDs, PPF, anything else.
Add a row for each one. Fund name is optional if you don't remember it — your advisor will identify it from your records.
One honest question: does this feel like a portfolio you built with a plan — or one purchase at a time, whenever someone suggested something?
Built with a plan
One purchase at a time, honestly
I'm not sure
Your contact details, so your advisor can reach you with the full report
Optional — but without these, we won't be able to send you your report or follow up.
Please enter a valid 10-digit phone number.
Please enter a valid email address.
Putting your numbers together…
This takes a few seconds
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Preliminary score
What we found, based on your answers
Disclaimer: This is a preliminary, self-reported financial wellness indicator, not personalised investment advice. The findings below are factual observations calculated from the information you provided — they describe your current position against standard benchmarks, and do not constitute a recommendation to buy, sell, or switch any product. This has not yet been verified against your actual investment records. Your complete report will be prepared by a qualified HNV Consulting advisor. HNV Consulting — ARN registered mutual fund distributor and IRDA registered insurance advisor.
Ready to take action on these findings?
Your HNV advisor can help you turn this report into a concrete financial plan.