Net Worth Studio
What is my real net worth?
Net worth today
-₹16.00L
₹19.00L assets − ₹35.00L debt
Projected · 20y
₹4.20Cr
Total invested
₹1.14Cr
Wealth gained
₹3.06Cr
+267% over cost
Your net worth is negative. That is normal early in a large home loan — the debt is recorded in full while the asset it bought may not be counted here. It turns positive as the loan amortises.
20 years
1 yr40 yrs
Net worth trajectory
Projected allocation
- SIP / Mutual funds₹2.54Cr
- PPF₹74.47L
- EPF₹68.41L
- Fixed deposits₹16.03L
- Savings / Cash₹6.67L
What you own
Savings / Cash
₹
₹
%
SIP / Mutual funds
₹
₹
%
PPF
₹
₹
%
EPF
₹
₹
%
Fixed deposits
₹
₹
%
Recurring deposits
Gold
Direct equity
What you owe
Home loan
₹
%
₹
Vehicle loan
Personal / other loan
What this calculation assumes
- •Net worth is assets minus liabilities. Loans are amortised properly, so early years repay very little principal.
- •Property you live in is not included by default — add it as an asset only if you would genuinely sell it.
- •Each asset grows at its own assumed constant rate.
- •Figures are in future rupees and are not adjusted for inflation.
- •If an EMI does not cover the monthly interest, the debt is shown as growing rather than shrinking.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Bring savings, SIPs, PPF, EPF, FDs and RDs together to see your net worth today and where it is heading.