Aakarsh Dalmia, CFP® professional · aakarshdalmia.com
AMFI-registered Mutual Fund Distributor · ARN-169845 · APMI-registered PMS Distributor · APRN-06803
Tool
What are you actually worth?
Most people can tell you their salary to the rupee and have no idea what they own. Net worth is the one number that answers it, and the only one worth tracking year on year.
Fill in what you can. Rough figures are fine, and a blank is the same as a zero. Everything is calculated in your browser.
Your net worth
₹0
Assets minus liabilities.
- Total assets
- ₹0
- Total liabilities
- ₹0
- Liquid share
- 0%
Where it sits
What this is. An arithmetic illustration based entirely on the assumptions you type in. The rates are your assumptions, not forecasts, and not what any scheme will deliver. Change an assumption and the answer changes, which is rather the point of using it.
What this is not. It is not investment advice, not a recommendation, and not a projection of returns. It takes no account of your particular circumstances. Nothing is calculated on a server, and nothing you type here is stored or sent anywhere.
How to read the number
The figure itself matters less than its direction. A net worth that rises every year, through good markets and bad, is the evidence that your plan is working. One that stalls while your income grows means the money is leaking somewhere, usually into lifestyle rather than into anything you own.
The liquid share is the part worth watching next. Wealth concentrated in property and locked retirement accounts can look impressive and still leave you unable to handle a bad year. Most of the uncomfortable financial situations I see are not caused by owning too little. They are caused by owning the wrong things at the wrong time.
Record the number once a year, on the same date, and keep the old ones. In five years that short list will tell you more about your finances than any statement.
A number is a starting point, not a plan.
This tells you roughly where you stand. What it cannot tell you is what to do about it, which depends on your income, your dependants, what you already hold, and how you behave when markets fall. That part is a conversation.