Knowledge Centre
Anchor Score Knowledge Centre
Start here, understand the framework, explore what matters, then measure where you stand.
Start here
A clear first path
Start somewhere clear. Understand something useful. Continue when you are ready.
- Why Financial Wellness MattersYou've probably never been asked, in any real way, how much financial room you actually have. Now you have been. Start with the simplest…
- What Is Anchor Score?Anchor Score is built for anyone who has wondered, even briefly, whether they're actually prepared — regardless of income or where they'r…
- What Is an Emergency Fund?Whatever your Anchor State — Fragile, Resilient, or anywhere between — the first thing that matters is the same: money set apart, easy to…
- What Are Essential Expenses?When Anchor Score asks for your essential expenses, it isn't asking what you spend in total each month. It's asking a narrower question:…
Continue the Start Here path
- What Is Financial Runway?Runway turns readiness into something concrete: a number of weeks or months your savings would actually carry you. It's the measurement b…
- What Are Liquid Savings?Not everything that belongs to you counts as liquid. Money in a savings account you can withdraw same-day is liquid. A fixed deposit that…
- The Five Anchor StatesWherever your score currently lands, it places you in one of these five positions — and that position tells you two things at once: rough…
- How Anchor Score WorksWhen you use Anchor Score, you're not answering questions designed to flatter or alarm you. You're providing the inputs that determine wh…
- Know Your Anchor ScoreKnow where you stand today.
Explore
Explore by theme
Five areas of one financial wellness system — open a theme when you are ready to go deeper.
Financial Wellness
Why financial wellness matters and how the knowledge system begins.
Savings Security
Emergency funds, essential expenses, financial runway, and liquid savings.
Savings Security
What Is an Emergency Fund
An emergency fund is a reserve of liquid savings, kept separate from everyday spending, that forms the foundation of a person's financial readiness. It's the first priority in every Anchor State, regardless of a person's current position.
Read article →Savings Security
What Are Essential Expenses
Essential expenses are the recurring costs required to maintain basic living standards, independent of income status. They form the denominator in the Savings Security Index and directly determine a person's Financial Runway and Anchor State.
Read article →Savings Security
What Is Financial Runway
Financial runway is the length of time a person's liquid savings could sustain essential expenses without income. It's calculated using the Savings Security Index — liquid savings divided by monthly essential expenses — and expressed as a duration.
Read article →Savings Security
What Are Liquid Savings
Liquid savings are funds that can be accessed quickly, without penalty, without a waiting period, and without needing to sell or convert another asset first. Liquid savings are what Anchor Score measures when calculating financial runway and emergency fund readiness.
Read article →Anchor Score
What Anchor Score is, how it works, and common questions.
Anchor Score
What Anchor Score Is
Anchor Score is a financial wellness benchmark. It measures how financially prepared a person actually is — not a credit or borrowing metric. It's built on a patent-pending methodology developed by Finaptis Wealthtech Pvt. Ltd., an AMFI-registered mutual fund distributor (ARN-318892). The methodology itself is proprietary; what it measures, and why, is not.
Read article →Anchor Score
How Anchor Score Works
Anchor Score measures financial readiness. It is calculated from a person's income, essential expenses, liquid savings, and dependents. These inputs determine a Savings Security Index and a Financial Runway — the current measurement mechanism — which together place a person within one of the five Anchor States. The full calculation methodology is patent-pending and proprietary to Finaptis Wealthtech Pvt. Ltd.
Read article →Anchor Score
Frequently Asked Questions
Cross-cutting questions that span the whole Anchor Score experience — not specific to any single state or concept.
Read article →Anchor States
Fragile, Cautious, Stable, Secure, and Resilient — and the overview that connects them.
Anchor States
The Five Anchor States
Your Anchor Score is expressed as a number between 50 and 900, and classified into one of five Anchor States — Fragile, Cautious, Stable, Secure, and Resilient. Each state describes a level of financial preparedness at this moment. None of them is a permanent label.
Read article →Anchor States
Fragile
Fragile is the state in which a person has little to no financial cushion. Savings set apart, ready to be relied on, are minimal or absent. It's the first of the five Anchor States, and the point from which financial wellness begins to be built.
Read article →Anchor States
Cautious
Cautious is the state in which a person has begun building a financial cushion, but it remains insufficient to absorb a significant setback. It's the second of the five Anchor States, sitting between Fragile and Stable.
Read article →Anchor States
Stable
Stable is the state in which a person's financial cushion reliably covers routine disruptions to essential expenses, though not an extended loss of income. It's the third of the five Anchor States, sitting at the midpoint between Fragile and Resilient.
Read article →Anchor States
Secure
Secure is the state in which a person's financial cushion can absorb an extended period without income, well beyond routine disruption, though not yet a truly prolonged one. It's the fourth of the five Anchor States, sitting between Stable and Resilient.
Read article →Anchor States
Resilient
Resilient is the state in which a person's financial cushion can withstand a prolonged loss of income without threatening essential needs. It's the fifth and final Anchor State, representing the strongest position Anchor Score measures.
Read article →Build & Strengthen
How you build your Anchor Score as life changes.
Search
Looking for something specific?
When you know what you want, search the Knowledge Centre directly.
Search titles, collections, and manuscriptsSearch →