SCORE: 41
“I thought I was doing well. Good income, no bad debt. My Armor FHS came back as 41. I had no emergency fund and zero life cover.”
YOUR ARMOR SCORE
Get your Financial Health Score for Free with Armor.
Most Indians don't know if their money is doing enough. The Armor FHS gives you the one number that answers that — plus the five sub-scores that show you why.
Check Your Score For Free →Intermediate
Calculate your score right now.
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How to calculate your score?
The Armor Financial Health Score is the comprehensive score you have been looking for.
A person with a 780 CIBIL might have zero life cover, three months of salary sitting idle in a savings account, and 80% of their net worth tied up in one property. In reality, they're one emergency away from trouble.
CIBIL Score
Looks at your past
Measures borrowing history
Built for lenders
Armor Score
Looks at your future
Measures financial preparedness
Built for you
India has a system to measure how reliable you are to a bank. It doesn't have one to measure how prepared you are for your own life. Armor is building that.
How to read your score
Strong
80 – 100
You have a solid base. You're doing well. The work now is to maintain discipline as your income and life change.
Building
50 – 79
You've made a real start. A few focused improvements — usually one in protection, one in allocation — can move you toward Strong.
Needs Attention
Below 50
One or more foundations are missing. Small, timely steps now prevent much larger problems later.
Your score breaks into five sub-scores. Each one shows you exactly which part to fix first.
Frequently asked questions
A single number between 0 and 100 that measures how financially resilient you are. It looks at your insurance, emergency fund, investments, debt, and spending — and gives you one clear view of where you stand.
CIBIL measures one thing: how reliably you've repaid debt. It looks backwards. Armor's FHS measures whether you're protected, growing, and prepared for what's ahead. CIBIL is for your bank. FHS is for you.
No. Armor doesn't pull anything from credit bureaus. Your CIBIL is untouched.
Two to three minutes if you have your numbers handy. You can save and come back any time.
Yes. Free to calculate and free to keep, no payment required.
Your inputs stay encrypted. We don't sell or share your data with anyone, including insurance or investment providers.
One plan. Built around your numbers.
Get the same rigor a hedge fund applies to capital — applied to your life.
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