Add ₹15,000 to hit 6 months expense safety target.
Review Insurance Vault
Ensure Term Life policy covers 10x annual income.
Ask AI Financial Coach
Get personalized SIP & tax-saving strategy.
AI Financial Intelligence & Live Web Search
Powered by NVIDIA API, Cloudflare Workers AI & Google Live Search Engine.
Live Search Active
Hello! I am your FinUtopia AI Financial Advisor. Ask me anything about budgeting, SIP investments, debt payoff, or scam checks. How can I help build your financial freedom today?
50/30/20 Budget Allocator
Needs (50%) - Housing, Bills, Groceries₹50,000
Wants (30%) - Dining, Leisure, Travel₹30,000
Savings & Investments (20%)₹20,000
Visual Category Breakdown
82Health Score
EXCELLENT TRAJECTORY
Financial Health Index
Evaluated across 5 core dimensions: Savings Buffer, Debt Ratio, Investment Growth, Emergency Coverage, and Asset Security.
Savings Ratio (55% Savings Margin)88 / 100
Debt-to-Income Ratio (15% Debt Load)92 / 100
Emergency Readiness (6.6 Months Buffer)85 / 100
Insurance & Risk Protection68 / 100
Metropolis Status
Utopia City Level 4
350 / 500 XP
Next Level: Financial Oasis Metropolis
Savings Tower
LVL 3
Powered by your ₹2,50,000 liquid savings pool.
Shield Fortress
LVL 2
Defends against scams & unexpected medical debt.
Wisdom Academy
LVL 3
Unlocked 4 financial literacy courses.
Investment Skyscraper
LVL 2
Compounds wealth via long-term index SIPs.
Financial Goals Tracker
Emergency Fund
ON TRACK
₹3,00,000 / ₹3,00,000
Target: Dec 2026
Home Downpayment
IN PROGRESS
₹6,50,000 / ₹15,00,000
Target: Nov 2028
Dream Vacation
IN PROGRESS
₹80,000 / ₹2,00,000
Target: Aug 2027
Insurance & Risk Vault
Protecting your dependents & assets against unforeseen black swan events.
Term Life InsuranceACTIVE
Sum Assured: ₹1.5 Cr
Coverage Gap: Adequate (15x income)
Health Insurance (Floater)ACTIVE
Sum Assured: ₹25 Lakhs
Includes Restore benefit & NCB multiplier
Financial Literacy Courses
BEGINNER+100 XP
Budgeting 101: Mastering 50/30/20
Learn to allocate income between needs, wants, and automatic savings without friction.
INTERMEDIATE+150 XP
Stock Market & Index Fund Investing
Understand compound interest, dollar-cost averaging, and passive SIP investing.
AI Scam Shield Fraud Detector
Paste suspicious messages, bank SMS, emails, or links to audit risk levels.
Fraud Audit
VerdictHIGH RISK
Financial Profile Configuration
Profile & Cloudflare System Settings
Active User Profile
vikas@finutopia.app
Cloudflare D1 Database Binding
D1 Local / Remote Binding active via wrangler.toml
CONNECTED
NVIDIA API Key Configuration
Configured in functions/api/ai.js (Falls back to Cloudflare Workers AI automatically)