What do “Looks right”, “Worth a look” and “Worth reconsidering” mean?
They are Nivritee’s three readings of a spending figure — green, amber and red — judged against your income and, for each line, against what a household like yours typically spends.
These words say how a spending figure reads. Looks right is green, Worth a look is amber, Worth reconsidering is red, and No comparison means there is nothing to judge it against. Every band carries its word as well as its colour. They appear in two places, answering two separate questions.
1. Can the household carry what it spends?
This is the band on the What you spend card, and the sentence above your rows in Living expenses. It compares all your spending plus loan payments with your income before tax.
| Share of income going out | Reading |
|---|---|
| Under 70% | Looks right |
| 70% to under 95% | Worth a look |
| 95% or more | Worth reconsidering |
With no income at all — somebody already independent — the question becomes whether savings can carry the spending: a year’s spending as a share of your savings, read against 4% (Looks right) and 6% (Worth a look). No income is not treated as a broken plan.
2. Is this line typical for a household like yours?
Each expense row, and each line in a category breakdown, is compared with a typical range for where you live today, scaled for your city. The chip beside the row shows the word; hover over it to read the sentence. Under-stating a cost is flagged sooner than over-stating one, because an under-stated cost makes a plan look better than it is.
| Your monthly figure | Reading |
|---|---|
| Below a quarter of the low end of the range | Worth reconsidering |
| Below 60% of the low end | Worth a look |
| From there up to the high end | Looks right |
| Up to 1.75 times the high end | Worth a look |
| More than 1.75 times the high end | Worth reconsidering |
| Left at zero on an essential line, such as groceries | Worth a look |
| Left at zero on a line you may not have, such as pets | No comparison (no chip) |
The household reading can make a line stricter but never kinder. If your total spending already reads Worth reconsidering, a line within its typical range shows Worth a look, and its sentence adds: It is a normal figure; it is the total against your income that makes it worth a look.
Overview
- Each month
- ₹7,06,000
- Survives a job loss
- 3.5%
- Left over
- 17%
- Of what you earn
- 83%
- The same life, later
- ₹1.8Cr
- Largest single line
- ₹27.24L · Rent in Dubai, 42%
- Paid a year
- ₹4.8L
- Of your income
- 5.7%
- Costliest rate
- 8.3% · Home loan
The site’s drawing of the money cards: only the spending card carries a band, here Worth a look, with the line saying what it was measured against.
- The band word and its colour, on What you spend only.
- Measured against your own income, not against anybody else’s spending.
Illustrative figures — not anybody’s real plan.
See this in your own plan.
Open OverviewLast reviewed 1 October 2026.