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A private financial broadsheet
A free, no-login Financial Health Check for India. Five signals, one private ledger, your biggest gap underlined. Everything runs in your browser.
≈ 4 min · Rough numbers fine · No PAN · No Aadhaar · No bank access
The Method
No accounts, no products. You hand over rough numbers. We hand back a single private read on what is helping your money and what is hurting it.
Income, expenses, assets, debts, protection. Approximate is fine.
A 0 – 100 Financial Health Score with five signals scored on benchmark.
Focus on the biggest gap first. Use the calculators and journal to act.
Who it's for
Check whether your savings habit is starting strong before lifestyle costs expand.
See whether loan payments are crowding out emergency fund, insurance, and goals.
Estimate protection, education goals, and the cash buffer your household may need.
Understand the gap between today's savings and a realistic retirement corpus.
Five money signals
Niyamfin makes the score explainable. Each signal is scored against a public benchmark — and the report tells you which one to fix first.
Of monthly income left for saving and investing after expenses and EMIs.
How long liquid money can cover household outflow if income stops.
How much monthly income is already committed to loan repayments.
Whether current investing is on track for a realistic retirement corpus.
Whether life and health cover look proportionate to household needs.
Behind the numbers
Every formula, benchmark, and assumption is published. Verify before relying on anything we show you.
MethodologyAdvanced planning tools · No login
SIP, EMI, income tax, retirement, FIRE, insurance, savings, and goal planning — all computed in your browser. Inputs never leave your device.
147 articles · India-focused
Plain-English money writing. Reviewed regularly. Linked to free calculators. No stock tips, no hype.
A simple India-focused guide to comparing the old and new income-tax regimes using your deductions, salary structure, and Niyamfin calculators.
A practical emergency fund framework for Indian households based on expenses, income stability, dependents, and EMIs.
A simple way to choose between SIP and lump sum investing for Indian goals without making return promises.
How to estimate retirement corpus in India using expenses, inflation, life expectancy, and post-retirement return assumptions.
A practical guide to EMI affordability for Indian borrowers using income, existing EMIs, interest-rate changes, and buffers.
Estimate a child education corpus using current cost, inflation, timeline, existing savings, and monthly SIP assumptions.
Trust & transparency
Niyamfin is an independent educational tool. Not an investment adviser, broker, lender, distributor, or insurance intermediary.
Frequently asked
Ready when you are