Questions, answered plainly.

WellthIQ is a financial wellness app and advisor built for India’s salaried and self-employed. It understands your money automatically, scores your financial health across seven pillars (Savings, Budget, Stability, Debt, Protection, Diversification and Net Worth Trend), and shows you what to fix first, in plain language. It takes no commissions, and it is built for the people big institutions overlook.

We started with India’s salaried professionals and small-business owners, people who need good financial guidance but can’t justify a ₹25,000+ advisor fee and don’t have the crores that private banks require. That’s who WellthIQ is built for today, and the standard we’ll hold ourselves to as we grow.

Banking apps show your transactions and trackers categorise them, but neither tells you what any of it means. WellthIQ reads your full picture, scores your financial health, and shows you what to fix first, in plain language, without trying to sell you a product.

The free calculators and the Financial Health Check are live on the web right now. The full app, automatic account tracking and guided advice, is in early access. Join as a founding user to get in first and help shape it.

Your Financial Health Score (FHS) is a single 0-100 read on the seven things that decide your financial future: Savings, Budget, Stability, Debt, Protection, Diversification, and Net Worth Trend. It’s a diagnosis of where you stand, not a vanity number and not a credit score, so you always know what’s working and what needs attention.

Each FHS pillar you answer is scored on its own, then averaged into one overall number. Skipped or "not sure" answers are excluded from the average. They’re never counted as a zero.

70-100 is Good, 40-69 is Fair, and 0-39 means it Needs attention. It’s a diagnosis, not a grade, the point is to show you where to focus first.

The web Health Check gives you an instant FHS estimate from a few quick questions, no login, calculated right in your browser. The app gives you your precise Score, computed automatically from your real accounts and updated every day. Same seven pillars; the only difference is the data source.

Our free tools and the Financial Health Score are educational and don’t require registration. Personalised, regulated investment advice will be offered only upon and in accordance with SEBI Investment Adviser registration. We will not provide regulated advice until we are licensed to do so.

No. We don’t sell products and we don’t take commissions. You’re the customer, not the product. That’s the whole point of the model.

Relationship managers typically appear only once you cross a high balance, and agents are paid to sell you products. WellthIQ is paid by you, so we answer to you, and we’re built specifically for the people banks tend to ignore.

Yes. Your data is encrypted, stays yours, and is never sold or shared with product companies. You control what’s connected, and you can delete it at any time.

With your permission, the app reads bank transaction SMS on your device to build your money picture automatically, so you don’t have to enter anything by hand. That information is used only to power your dashboard and score. It’s never sold or shared.

Never. Our business is the fee you pay us, not your data. No selling your information, no advertising, no hidden monetisation.

No. We don’t collect or store any personal information for the free calculators or the web Health Check, every calculation runs on your device, not our servers.

Yes, every calculator is free, with no sign-up required. They’re powered by the same precision as the app.

Yes. They use standard financial formulas and current rules, for example, the New Regime income-tax slabs for FY 2026-27, and we review them regularly.

EMI, SIP, Income Tax, Retirement, and 14 more. Covering loans, investments, tax, and retirement planning. See the full list on the Free Financial Tools page.

EMI, SIP, and Income Tax are among the most used. They help with loan planning, investment strategy, and tax planning respectively.