5 min read

Your Financial Actions & Paycheck Guide

How to read your financial roadmap and use the paycheck distribution guide to act on your plan.

1
Navigate to the Actions page
Click "Actions" in the left sidebar. You will see a badge showing the number of pending actions — these are areas where your finances need attention.
2
Read the Financial Roadmap
The roadmap lists specific, actionable steps to improve your financial health. Each action has a priority level and an estimated impact on your Fitness Score. Examples: • 'Build ₹2.4L emergency fund' • 'Increase term insurance cover by ₹50L' • 'Start SIP of ₹3,000/month for Education goal'
Focus on high-priority actions first — they have the biggest impact on your overall financial health score.
3
Use the Paycheck Distribution Guide
Below the roadmap is your personalised Paycheck Guide. When your salary arrives, this guide tells you exactly where each rupee should go — in the right order: 1. Fixed Expenses (rent, utilities) 2. EMIs (loan repayments) 3. Emergency Fund top-up 4. SIPs (goal investments) 5. Variable Expenses 6. Discretionary (lifestyle)
4
Follow the priority order strictly
The order matters. EMIs before SIPs because a missed EMI hurts your credit score. Emergency fund before lifestyle because it protects against unexpected events. Treat SIPs like a fixed bill — non-negotiable.
Do not skip the emergency fund step. It is the financial safety net that prevents you from breaking your long-term investments during a crisis.
5
Track completed actions
As you complete actions (set up a new SIP, increase insurance), the Actions page updates. Completed actions reduce the badge count. Your Fitness Score improves as you address each area.