Financial Health Checkup in 2026: How to Track and Improve Your Financial Stability with airpay money

Summary: 

• A financial health check reviews your income, expenses, savings, investments, loans, and insurance. 

• It calculates your financial health score, your risk profile, and shows improvement areas. 

• This assessment can be undertaken online for free on the airpay money website and mobile app. 

• All you need to do is enter a few basic details, complete a questionnaire, and lastly download your detailed financial report.  

• You can also reassess regularly to track progress and improve your financial position. 

A financial health check is a holistic assessment of your financial position. It reviews different aspects of your financial life, such as income, expenses, savings, investments, debts, insurance coverage, emergency funds, and retirement planning.  

The purpose? 

To understand where you stand financially and identify areas for improvement. Such an assessment allows you to know: 

• Whether your insurance coverage is adequate  

• If your emergency fund size is sufficient to handle sudden expenses 

• How well you are managing your loans (including repayment capacity and debt burden). 

• Whether your investments match your risk profile and financial goals. 

Want to do it for free? 

On the airpay money app and website, you can perform an online financial health check and generate a detailed financial report. Let’s see how you can do so. 

How to Perform a Financial Health Check on the airpay money app or website in 2026? 

Firstly, visit the official airpay money website or download the airpay money mobile application. On the website, you can use this feature by entering your mobile number and verifying it through an OTP.  

Whereas, on the mobile app, you need to first register. After logging in, go to the “Finsight” section available on the bottom tab and begin the financial health check process. 

Follow these steps: 

Step 1: Provide Personal Information 

You begin by entering basic details such as your name, date of birth, gender, number of dependents, and your location (pincode, city, and state).  

Step 2: Enter Income and Expenses Details 

Next, you provide details of your monthly income and household expenses (excluding EMIs and insurance premiums). You will also mention whether you currently have any active loans. This allows airpay money to assess your monthly surplus and repayment capacity. 

Step 3: Input Your Current Insurance Details 

You are asked whether you have any insurance coverage. You may enter information for both your existing health and term insurance policies.  

Step 4: Declare Your Savings and Investments 

You enter your total bank balance and confirm whether you invest in financial products. Additionally, you can enter information for different “investment types”, such as: 

• Mutual Funds (Lumpsum and SIP) 

• Recurring Deposits (RD) 

• Fixed Deposits (FD) 

• Public Provident Fund (PPF) 

• National Pension System (NPS) 

• Gold and Jewellery, and  

• Property.  

Step 5: Complete a Risk Profile Questionnaire 

Lastly, you are required to answer a set of 8 questions that evaluate your “investment behaviour”. These questions are related to your: 

1. Preferred investment options 

2. Financial situation 

3. Emergency readiness 

4. Ability to handle losses 

5. Income sources 

6. Savings rate 

7. Number of dependents, and 

8. Investment time horizon 

Step 6: Download Your Financial Health Report 

After submitting all details, airpay money generates a detailed financial report based on your inputs. This report includes: 

• A financial health score 

• Your investor category (aggressive, balanced, conservative) 

• An evaluation of your insurance coverage 

• An assessment of your emergency fund 

• A review of your loan management 

• An analysis of your income and spending pattern 

• A retirement projection, including the required corpus and timeline 

Additionally, the report indicates areas that need attention and suggests corrective actions. 

How to Keep Tracking Your Financial Health with airpay money? 

A financial health check is not a one-time activity! 

As time passes, your income, expenses, goals, and responsibilities change. Thus, it is important to keep reviewing your financial position at regular intervals.  

On the airpay money app and website, you can easily reassess your financial health check at no additional cost. Let’s see how: 

The benefit? 

Through regular financial health checks, you can track your financial progress, identify adverse changes, and make timely adjustments.  

Conclusion 

So now you know what a financial health check is and how you can regularly perform it on the airpay money app and website. It is an assessment process that evaluates your current financial position and indicates areas that need improvement. 

A financial health check is available free of cost on both the airpay money app and website. To get started, you can either register on the app or simply log in on the website using your mobile number and OTP. 

Once logged in, enter the required details, complete the steps, and download your detailed financial report. It is also recommended to keep repeating this process at regular intervals, so that you stay aware of adverse financial changes and take timely corrective actions.  

Want to further improve your financial well-being? 

You may start using other free utilities offered by airpay money, such as Crorepati Calculator, Goal Calculator, Budget Calculator, SIP Calculator, and more. We are a 360-degree financial wellness platform trusted by 1,00,000+ users.