Your Money Health Score — A Simple Picture of Your Money Habits

DhanRakh's Money Health Score is a personal money-wellness indicator built only from your own entries. It is not a credit score, a CIBIL score, or any measure of loan eligibility, and it is not shared with banks or lenders.

What Financial Health Really Looks Like

Most money tools only ask one thing: are you repaying borrowed money on time? But your real money health is much more than that. What share of your income do you save? Are your expenses growing faster than your earnings? Do you have a small buffer for emergencies? Are your goals moving forward?

For crores of Indians in the informal economy, there has never been a simple way to see any of this. DhanRakh changes that — with a score that reflects your own habits, for your own eyes.

How DhanRakh Builds Your Score

The Money Health Score (0–100) is calculated entirely from your own tracked data:

• Savings rate — what share of income are you setting aside?
• Spending consistency — are your expenses steady or chaotic?
• Debt comfort — are what you owe and lend manageable?
• Emergency buffer — do you have a small safety cushion?
• Goal progress — are you reaching your savings targets?

No bank connections, no external data, no sharing. Just your own habits, reflected back to you in plain language.

What Your Score Means

• 0–30 (Needs attention) — spending more than earning, little buffer. DhanRakh shows exactly where money is leaking.
• 31–50 (Building) — expenses steadier, savings starting. You're forming healthy habits.
• 51–70 (Solid) — consistent saver, comfortable with what you owe, buffer growing.
• 71–100 (Strong) — healthy savings, goals moving, little unnecessary debt.

It Tells You How to Improve

DhanRakh doesn't just show a number — it suggests gentle next steps:

• "Your savings rate is 8%. Setting aside a little more would lift your score."
• "No emergency buffer yet. A small ₹50/day goal helps you build one."
• "Your chai spending is ₹1,200/month — trimming it adds up over a year."

Track It Over Time

Your score updates as you track, so you see the trend — not just a snapshot. Watch it climb as good habits compound, month after month.

Free for Everyone

The Money Health Score is available to all DhanRakh users after a couple of weeks of tracking (enough data for a meaningful picture). No premium required — just a clear, private view of your own money.