Liquidity
34%Runway — how many months you could cover from cash and buffers.
Back to MYN Labs80–100 60–79 40–59 0–39 Full scoring methodology
Guide
What is a financial stability score?
A single 0–100 number that answers a question no credit score asks: if something went wrong next month — a layoff, a medical bill, a salary delay — how well would your finances hold up?
Most financial numbers describe the past. A credit score summarises your repayment history for lenders; a bank balance is a snapshot that says nothing about next month. A financial stability score is forward-looking: it measures resilience — how long your money would last, how much of your month is pre-committed to debt, how much you can actually save, and what happens to your family if you can't earn.
The distinction matters because the two can disagree completely. Someone paying every EMI on time with zero savings has an excellent credit score and fragile finances. A stability score exists to catch exactly that gap — for you, not for a bank.
The four pillars
The FSI Score weighs four dimensions of resilience. The weights below apply when insurance data is provided; without it, the first three renormalise.
Leverage
30%Debt-service load and debt-stock burden, secured vs. unsecured.
Durability
21%Savings capacity after debt service, adjusted for income volatility.
Protection
15%Health and life cover measured against income-multiple benchmarks.
Reading the score
Strong
Long runway, light debt load, consistent savings, adequate cover. A shock is an inconvenience, not a crisis.
Stable
The month works and there's a buffer, but one pillar — often protection or runway — has a gap worth closing.
Vulnerable
Finances function in good months but a salary delay, medical bill or job gap would force borrowing or hard cuts.
Critical
Little or no buffer and/or a heavy debt load. Small shocks compound quickly; stabilising cashflow comes before every other goal.
How to move your score
Because the score is built from four pillars, improving it is mechanical: strengthen the weakest pillar first. For most people that means one of two moves — extending emergency runway (try the emergency fund calculator) or bringing EMIs back under the comfort ceiling (check the EMI safety check). Savings capacity and insurance cover usually come next, and each is measurable, so progress shows up in the score within a month or two.
One thing a stability score deliberately is not: investment advice. It won't tell you which fund or stock to buy — it tells you whether your foundation can survive the unexpected, which is the question that decides whether any other financial plan survives contact with reality.
Frequently asked questions
How is a stability score different from a credit score?
A credit score (like CIBIL) measures how reliably you repay lenders — it exists for banks. A stability score measures how well your finances would survive a shock — it exists for you. You can have an excellent credit score and terrible stability: perfect EMI history with zero emergency savings scores high with the bureau and low on stability.
What numbers does a stability score use?
The FSI Score uses figures you already know: monthly income and its variability, monthly expenses, liquid savings, each debt's EMI and balance, and your health and life cover. No bank-account access is needed, and the score never looks at your spending line items.
What is a good financial stability score?
On FSI's 0–100 scale, 60 and above is stable, and 80+ is strong. Most first-time users land in the 40–70 range. The score is designed to move: funding one more month of emergency runway or closing a high-interest EMI shifts it within a month.
How do I improve my financial stability score?
In rough order of impact for most people: build emergency runway (the liquidity pillar is weighted highest), bring total EMIs under 35% of take-home income, raise the share of income you save each month, and close gaps in health and life cover. Which one moves your score most depends on your weakest pillar — FSI ranks the actions for your specific numbers.