Armor Score

Your Financial Health Score. See where you stand.

One number for your financial health: cover, savings, investments and loans, and what to fix first. Free, 2 minutes, no login.

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ARMOR SCORE

64/100

Your score ison track

Armor Score

Calculate your score right now.

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STEP 1 OF 4

Personal Details

Age and income.

+91

Sign in to the Armor app with this number and your score will be waiting. We use it only for that, and delete it after 30 days.

The gap

Why do we need a Financial Health Score?

CIBIL tells your bank whether you'll repay a loan. It can't tell you whether you're ready for what's next.

Rohan, 34 · the same person, scored twice

CIBIL score

780/900Excellent

Looks back at

  • EMIs paid on time
  • How much credit you use
  • How long you've borrowed

Your Armor Score

38/100At risk

Also looks at

  • No life cover for a family of four
  • ₹4.5 L idle in savings at 3.5%
  • No SIPs: nothing growing for later
  • 80% of net worth in one flat
See your score

Free2 minutesDoesn't affect your CIBIL score

METHODOLOGY

How the Armor Score works

HOW THE WEIGHTING WORKS

What counts most shifts with age.

The shield redraws as you move the slider: the bigger the section, the more it counts at that age.

  1. EARLY IN YOUR CAREER

    How fast you save counts most.

    • Growth

  2. CLOSER TO RETIREMENT

    Protecting what you’ve built takes over.

    • Stability
    • Loan
    • Diversification

Proportions are illustrative, not the actual weights.

  • Months of expenses your emergency fund covers
  • Years of expenses your investments cover

What is a good Financial Health Score?

Great
80–100

You have a solid base and you are doing great. Maintain this level of discipline.

On Track
60–79

You've made a good start. With a few focused improvements, you can strengthen your financial position further.

Needs Attention
40–59

Some areas need attention. Taking small, timely steps now can help improve your financial stability.

At Risk
Below 40

A few basics are missing. Start with your weakest pillar: fixing it moves your score the most.

Your score breaks into five sub-scores. Each one shows you exactly which part to fix first.

AishwaryaBengaluru
ARMOR SCORE41/100

“I thought I was doing well, good income, no bad debt. My Armor FHS was 41. No emergency fund and zero life cover.”

DineshAndhra Pradesh
ARMOR SCORE38/100

“My CIBIL is 810. My Armor score was 38. ₹15 lakhs in savings at 3.5% and no term insurance at 34 with two kids.”

JaskaranNew Delhi
ARMOR SCORE66/100

“I’d been doing SIPs for six years, so I expected 80+. I got 66. My health cover was still the ₹3 lakh I bought at 23.”

Frequently asked questions

A financial health score is a measure of how financially resilient and prepared you are. The Armor FHS evaluates your insurance, savings, investments, debt, and spending habits to give you a single score from 0 to 100.

No. A CIBIL score measures your past borrowing behaviour for lenders. The Armor Score is a "Financial Health Score" that measures your forward-looking financial preparedness, whether you are protected, stable, disciplined, and building wealth. They complement each other but measure entirely different things. Checking your Armor Score has zero impact on your CIBIL score or any credit bureau record.

Two minutes. You answer a few questions about your finances across four steps and your score is generated instantly with a pillar-by-pillar breakdown.

Yes. Checking your Armor Financial Health Score is completely free. No login required. No credit card. No hidden charges.

The Armor Score is built by the team at Armor, combining deep experience in quantitative investing, risk analysis, and financial systems design. With over 35 years of combined experience across quant and hedge fund environments, the team brings a structured, data-driven approach to evaluating financial health.

Your age, monthly income, monthly expenses, EMI amounts, liquid savings, gold and real estate holdings, equity and debt portfolio values, and insurance coverage.

Absolutely. The score is designed to be checked periodically. As you build your emergency fund, diversify investments, reduce unnecessary debt, and add insurance coverage, your score will improve. The Armor app shows you the specific actions that will have the highest impact on each pillar.

Yes. Armor uses bank-grade encryption for all data. Your financial details are used solely to calculate your score and are not shared with lenders, advertisers, or any third party.

We score a pillar only once we have the details it needs. Shield, for example, needs your insurance cover. Add those details and the pillar, and your overall score, update straight away.

The Armor Score is an educational tool, generated from the details you provide. It is not investment advice or a recommendation. Disclosures

Begin your Wealth Journey with Armor.

See what to fix first, and how to do it.

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