Hexo Money Maps
Hexo Money Maps: See Your Financial Picture in One Place
Bring the Different Pieces of Your Money Together: Most families have a general idea of what they earn, spend, invest, and owe, but this information is often spread across bank accounts, investments, loans, properties, and everyday expenses. Looking at each financial piece separately can make it difficult to understand how everything connects. Hexo Money Maps is a financial awareness, organisation, and discussion tool that brings your current income, expenses, regular investments, assets, and liabilities together in one structured view. It creates a snapshot of your cash flow, Net Worth, Emergency Fund coverage, debt position, and analysed Asset Allocation, along with an indicative Money Map Score. The purpose is not to predict your financial future, but to help you understand your current financial picture more clearly.
Understand Your Emergency Fund
Not every asset necessarily forms part of an Emergency Fund. Money Maps allows you to identify which recorded assets should be considered towards the Emergency Fund and select what percentage of each asset should be included. This helps create a more relevant view of the funds that may be available for unexpected financial needs. The selected assets can provide a clearer picture of readily available resources. It also helps distinguish liquid resources from assets that may not be suitable for immediate use.
The tool then compares the identified Emergency Fund with Regular Expenses to estimate the number of months of expense coverage available. This provides an indicative liquidity measure based on the assets and percentages selected by the user. The result can help you understand your current level of short-term financial preparedness. It should be viewed as an indicative assessment rather than a guarantee of future financial security.
What Is Hexo Money Maps?
Cashflow
Understand where money is coming from and where it is going, with a clear view of the current monthly cashflow position. Identify whether the household is generating a monthly surplus or experiencing a deficit based on the information entered.
Balance Sheet
Bring your assets and outstanding liabilities together to understand your current Net Worth and overall debt position in one clear view. Review your Emergency Fund coverage to understand the liquidity available for unexpected financial needs and short-term expenses.
Yearly SIP Step-Up
View key financial indicators, Asset Allocation, observations and an indicative Money Map Score based on the information entered. The tool does not assess insurance, goals, risk profile, investment suitability, retirement adequacy, taxation, estate planning or legal matters.
Financial Overview
Get a consolidated view of your financial position, including income, expenses, assets, liabilities, cashflow and key indicators in one Money Map. Review your financial information in a simple format to understand your position and identify areas that may need attention.
Understanding the Money Map Score
Money Maps generates an indicative Money Map Score out of 10 after the required information has been entered. The score considers four key areas: Cashflow Sustainability (35%), Asset Allocation / Diversification (20%), Debt Management (20%), and Emergency Fund (25%). The score is designed to help organise discussions around the family’s current cashflow and balance-sheet position. It is not a universal measure of financial success and should not be considered in isolation.
Understanding Your Score
Money Map Score
For working individuals, the Cashflow component evaluates Expense Ratio, Investment Ratio, and Surplus Ratio. These indicators provide an indicative view of income management and how effectively the available surplus is allocated towards investments and financial goals.
Cashflow Health
For Working Individuals
For working individuals, the Cashflow part evaluates key indicators such as Expense Ratio, Investment Ratio, and Surplus Ratio. These factors help provide an indicative view of how income is being managed and how wisely the available surplus is being allocated towards investments and future goals.
Retirement Cashflow Coverage
For Retired Individuals
For retired individuals, Money Maps focuses on Retirement Cashflow Coverage, comparing current monthly inflows with current monthly expenses. This provides an indicative view of cashflow adequacy but does not determine whether the retirement corpus will last throughout retirement.
Map Your Income & Expenses
Most basic lumpsum calculators estimate investment growth using three primary inputs: the investment amount, investment period, and expected annual return. The Hexo Wealth Lumpsum Growth Calculator goes beyond these basic inputs by allowing you to consider additional factors that may arise during your investment journey, providing a more comprehensive illustration of potential portfolio growth.
01
Build a Monthly Cashflow View
Enter different income sources and expenses using the frequency in which they actually occur. Money Maps supports Weekly, Monthly, Quarterly, Half Yearly, and Annually frequencies. The tool converts these amounts into monthly equivalents so that different cashflows can be viewed on a common basis. The Monthly Cashflow Snapshot then brings together Income, Regular Expenses, Investments, and Monthly Surplus or Deficit, making it easier to understand how current income is being distributed across lifestyle expenses and investment
02
Core Expenses
Money Maps also allows relevant expenses to be marked as Core Expenses, representing expenses that are expected to continue as part of the family lifestyle during retirement. The remaining non-investment expenses are shown as Other Regular Expenses, helping provide a clearer view of ongoing and discretionary spending. These classifications are intended as discussion aids and can be changed by the user based on their circumstances and planning needs.
03
Track Multiple Income Sources
Money Maps allows you to record different sources of income separately, helping you understand how each source contributes to your overall monthly cashflow. You can include salary, business, rental income, pensions, or other regular sources. Each income source can be recorded according to its actual frequency. The tool converts these amounts into monthly equivalents for easier comparison. This provides a clearer view of your total income position.
See Your Asset Allocation Snapshot
Money Maps groups selected assets into categories such as:
- Cash & Bank Holdings
- Debt & Fixed Income
- Equity & Market-Linked Assets
- Precious Metals
- Real Estate
- Other Estate
You can decide which assets should be included in Asset Allocation Analysis. For example, a self-occupied home or personal-use vehicle may be recorded as part of Net Worth while being excluded from the Asset Allocation analysis. The resulting snapshot helps show how the analysed assets are distributed and whether a significant concentration is visible in one category.
Bring Your Assets & Liabilities Together
The next step is to record the family’s current assets and outstanding liabilities.
- Total Assets
- Total Liabilities
- Net Worth
- Emergency Fund
- Emergency Fund Coverage
- Asset Allocation
Net Worth is calculated as Total Assets − Total Liabilities. It is shown as a factual calculation and is not itself scored as good or bad. For liabilities, the current outstanding amount should be entered rather than the original loan amount.
Who Can Use Hexo Money Maps?
Organising Personal Finances
Managing Family Finances
Reviewing Monthly Cashflow
Managing Diverse Assets
Managing Multiple Currencies
Retirement Finances
Tracking Monthly Expenses
Reviewing Investment Portfolio
Monitoring Financial Goals
Start With Your Details
You can select your Life Stage as Working or Retired based on your current financial stage and planning needs. Money Maps can also separately capture information for up to three family members, allowing family-level income, expenses, assets and liabilities to be viewed together.
Name
Enter your name to personalise your Money Map and identify the report easily.
Date of Birth
Add your date of birth to provide relevant information for your financial planning.
Life Stage
Select Working or Retired based on your current financial stage and planning needs.
City
Enter your city to keep your personal and financial details accurately organised in one place.
Currency
Select the currency in which your income, expenses, assets and liabilities are recorded.
Report Date
Choose the report date to indicate when your Money Map information has been prepared.
Financial Indicators & Observations
Along with the overall score, Money Maps may display indicators such as:
Expense Ratio
Investment Ratio
Surplus Ratio
Emergency Fund coverage
Retirement Cashflow Coverage
The tool may also generate Key Observations & Action Points based on predefined rules applied to the information entered.
These observations are intended as discussion prompts to highlight areas that may deserve attention. They should not be treated as personalised investment recommendations.
Multiple Currency Support
Single Currency Mode
Multiple Currency Mode
Multiple Currency Mode supports up to three currencies. When different currencies are used, users can manually enter the applicable conversion rates along with the Rates as of date, after which Money Maps consolidates the values into the selected Default Currency. The exchange rates are manually entered by the user and are not live market rates.
Your Hexo Money Maps Report
01
Investor and family financial details, including relevant personal and financial information.
02
Income, expenses and monthly cashflow summary, showing regular inflows and outflows.
03
Assets, investments and liabilities recorded across relevant financial categories for better clarity.
04
Total assets, liabilities and net worth based on the information provided in the report.
05
Money Map Score with a detailed breakdown of selected financial indicators and key metrics.
06
Asset Allocation summary along with key observations from the entered information for overall understanding.
07
Emergency Fund Coverage and Debt-to-Asset Ratio based on selected information and available assets.
08
Important notes and disclosures to help understand the report correctly and its limitations.
Important Things to Keep in Mind
Enter Complete Information
The quality of the Money Map depends on accurate and complete information. Enter current income, expenses, investments, assets and liabilities to maintain a reliable financial snapshot.
Avoid Double Counting
Income, expenses, investments, liabilities and asset values can change over time. Update the Money Map regularly to reflect these changes and keep your financial snapshot accurate and relevant.
Review Emergency Funds
Include only assets that are genuinely intended or available for emergencies. Exclude assets that are difficult to access or reserved for specific financial goals.
Review Asset Allocation
Not every asset recorded for Net Worth needs to be included in Asset Allocation. Select only the assets relevant to understanding the family’s investment allocation.
Use the Score as an Indicator
The Money Map Score is an internal indicator based on selected financial measures. It does not represent complete financial health or guarantee any future financial outcome.
Update the Money Map
Income, expenses, investments, liabilities and asset values can change over time. Update the Money Map periodically to keep the financial snapshot current and relevant.
Understanding Hexo Wealth’s Role
Hexo Money Maps is designed to help organise and understand a family’s current financial information. It does not identify a suitable mutual fund scheme, determine investment suitability, or provide a complete financial plan. Hexo Wealth Associates LLP is an AMFI-registered Mutual Fund Distributor | ARN-353817. As a Mutual Fund Distributor, Hexo Wealth facilitates mutual fund investments and supports investors in understanding mutual fund options based on their stated financial goals, investment horizon, and risk profile. Any mutual fund option should be considered separately based on its features, suitability, and associated risks.
See How the Pieces of Your Money Connect
Income shows what comes in, expenses show what goes out, assets reflect what you own, and liabilities represent what you owe. However, looking at these elements together provides a much clearer understanding of your overall financial position. Hexo Money Maps brings these different pieces into one organised financial snapshot, helping you see where you currently stand and enabling a more structured and meaningful conversation around your money. It can also help you identify areas that may need greater attention and support more informed financial decisions.
Frequently Asked Questions
Hexo Money Maps is a financial awareness and organisation tool that brings income, expenses, investments, assets and liabilities together into one structured financial snapshot.
The Money Map Score is an indicative score based on Cashflow Sustainability, Asset Allocation / Diversification, Debt Management and Emergency Fund preparedness.
It is a discussion framework and not a universal measure of financial success.
Yes.
Net Worth is calculated as Total Assets minus Total Liabilities based on the information entered.
Money Maps considers the assets specifically marked for Emergency Fund purposes and the percentage selected for each asset.
The identified amount is then compared with Regular Expenses to estimate the number of months of coverage.
Yes. Multiple Currency Mode supports up to three currencies.
Foreign-currency values are consolidated into the selected Default Currency using manually entered exchange rates.
No.
Money Maps organises and analyses the cashflow and balance-sheet information entered. It does not assess investment suitability or recommend buying, selling or holding any financial product.
Important Money Maps Disclaimer
Hexo Money Maps is provided as a financial awareness, organisation and discussion tool based on the income, expenses, assets and liabilities entered by the user.
All totals, ratios, scores and observations depend on the accuracy, completeness and current relevance of the information entered.
The Money Map Score is an indicative framework based on Cashflow Sustainability, analysed Asset Allocation / Diversification, Debt Management and Emergency Fund preparedness. It is not a universal measure of financial success and should not be read in isolation.
Net Worth is a factual calculation of recorded assets less recorded liabilities. Emergency Fund coverage and Asset Allocation are based only on the assets and percentages selected for those analyses.
Where multiple currencies are used, consolidated values depend on manually entered exchange rates and are not based on live FX rates.
Money Maps does not assess insurance adequacy, risk profile, investment suitability, financial goals, retirement-corpus sufficiency, estate planning, taxation or legal matters. It does not constitute investment advice or a recommendation to buy, sell or hold any financial product.
Hexo Wealth Associates LLP | AMFI-registered Mutual Fund Distributor | ARN-353817
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.