Financial Health Questionnaires

Are You Over-Indebted?

Diagnostic • Debt & Borrowing • Complete the questionnaire below

1. What is your total monthly take-home income?

Enter the amount credited to your bank after all deductions.

2. What is the total of all your monthly EMIs?

Include home loan, car loan, personal loan, education loan and every other active loan.

3. What is your total outstanding credit card balance across all cards?

Enter the amount you currently owe, not your total credit limit.

4. How many separate loan accounts are currently active?

Do not include credit cards.

5. In the last 12 months, how many times have you missed or been late on any EMI or credit card minimum payment?

6. What percentage of your monthly income are you currently able to save?

Money set aside after all expenses and EMIs.

7. On a scale of 1 to 5, how much does your current debt situation affect your sleep or mental wellbeing?

1 means not at all. 5 means severely.

Current selection 1
1 — Not at all 5 — Severely

8. What percentage of your monthly take-home income goes purely to interest payments?

Use an approximate figure from your loan and credit card statements.

To estimate your monthly interest, check each loan statement and use: Outstanding balance × monthly interest rate. For credit cards, a rough estimate is around 3% of the outstanding balance per month.
This questionnaire is for educational purposes only and does not constitute financial advice.

Standard Disclosures, Caveats and Terms of Use

×

Important Disclaimer

This questionnaire is for financial self-education and awareness purposes only. It does not constitute financial advice, investment advice, tax advice, or any regulated financial service. tackl.finance is not a SEBI-registered Investment Adviser, IRDAI-registered insurance intermediary, or AMFI-registered distributor. The outputs generated by this tool are indicative only and are based solely on the information entered by the user.

Scope and Limitations

  • All calculations are based solely on the information provided by the user. Results are only as accurate as the inputs entered.
  • The questionnaire uses standardised rules of thumb and widely accepted financial benchmarks. Individual circumstances may differ materially from these benchmarks.
  • Tax calculations, where applicable, use prevailing Indian Income Tax Act provisions as understood at the time of publication. Tax laws change; users must verify current provisions with a qualified tax adviser.
  • Interest rates, inflation assumptions, and market return assumptions used in calculations are indicative only. Actual rates and returns will differ.
  • This tool does not access or store any bank account, investment account, credit bureau, or other personal financial data. All data is entered manually by the user.

Data Privacy

  • tackl.finance does not store, share, or sell any personal financial information entered into this questionnaire.
  • Results are generated and displayed within the user's browser session. If the user navigates away, results are not retained unless the user saves or prints them.
  • Users are advised not to enter sensitive information such as account numbers, PAN numbers, or Aadhaar numbers in any free-text field.

Terms of Use

  • By using this questionnaire, the user acknowledges that tackl.finance bears no liability for any financial decision made based on the results of this tool.
  • The questionnaire is intended for adults (18 years and above) resident in India.
  • tackl.finance reserves the right to update, modify, or withdraw any questionnaire without prior notice.

Recommended Next Steps

Users who identify significant gaps, risks, or concerns through this questionnaire are encouraged to:

  • Consult a SEBI-registered Investment Adviser (RIA) for investment-related decisions.
  • Consult an IRDAI-registered insurance broker or adviser for insurance-related decisions.
  • Consult a Certified Financial Planner (CFP) accredited by FPSB India for comprehensive financial planning.
  • Consult a practising Chartered Accountant (CA) for tax-related decisions.

Related Questionnaires

Book an Appointment Form