Everyone worries about market risk.
The bigger risks are hiding in your financial life.
In 10 minutes, phronesia will analyze your income, protection, savings, and investments — anonymously and privately — and show you exactly where the risks are hiding.
Find out nowWhat phronesia diagnoses
Income & Savings
Are you saving enough of what you earn? Is your EMI burden leaving you exposed?
Emergency & Protection
Is your health insurance adequate? Do you have enough emergency fund? Is your family protected if something happens to you?
Survival Runway
How long can you survive without your income? Are your assets liquid enough to help you in a crisis?
Risk Profile & Asset Allocation
Is your money allocated in a way that matches your actual risk capacity — not just your risk appetite?
How it works
Enter your numbers
Income, expenses, insurance, assets — takes about 10 minutes
Get your diagnosis
Phronesia scores your financial foundation across 4 dimensions
Know what to fix first
A prioritised action list tells you exactly where to start
A glimpse of what we analyse
We assess four areas of your finances and tell you exactly where you stand.
Emergency & Protection
Your ideal health coverage: ₹20,00,000. Your current health coverage: ₹10,00,000. There is a large deficit in your health insurance coverage. One medical emergency can wipe out your investments and emergency fund, pushing back your finances by a few years. Consider handling this aspect on priority.
Mixed scores are common. Knowing where the gaps are is the first step.
I spent 7 years managing wealth for some of India's most successful families. I know what good financial advice looks like.
But I couldn't use any of it for myself. Either the amounts were too large, or the solutions too complex. And my clients' problems were nothing like mine — I worried about my family's survival if something happened to me, or how I'd manage if I lost my job to AI. So I built phronesia. For myself first. Then for everyone else who are bugged by the same worries every so often.
Prathamesh Lajurkar | IIM Bangalore | Wealth Manager