About the AI Net Worth Tracker
What is the AI Net Worth Tracker?
Net worth is everything you own minus everything you owe. This net worth tracker adds up your assets and loans and shows how you are progressing over time.
Enter last time's figure to track the change.
How to use the AI Net Worth Tracker
- Bank Balance and FDs (₹) (sample: 3,00,000)
- Mutual Funds and Stocks (₹) (sample: 8,00,000)
- EPF, PPF, NPS (₹) (sample: 6,00,000)
- Gold and Silver (₹) (sample: 2,00,000)
- Real Estate – market value (₹) (sample: 60,00,000)
- Vehicles – resale value (₹) (sample: 5,00,000)
- Other Assets (₹) (sample: 0)
- Home Loan Outstanding (₹) (sample: 35,00,000)
- Vehicle Loan Outstanding (₹) (sample: 3,00,000)
- Personal Loans and Credit Card Dues (₹) (sample: 50,000)
- Other Liabilities (₹) (sample: 0)
- Your Age (sample: 35)
- Yearly Household Income (₹) (sample: 15,00,000)
- Net Worth Last Time (₹, optional) (sample: 0)
- Press Calculate Net Worth (results also refresh as you type). The result card shows the Net Worth, along with Total assets, Total liabilities, Liquid net worth and Debt-to-asset ratio.
Formula used
Net worth = Total assets − Total liabilities
- Benchmark = age × yearly income ÷ 10 (Stanley and Danko)
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Bank Balance and FDs (₹) | 3,00,000 |
| Mutual Funds and Stocks (₹) | 8,00,000 |
| EPF, PPF, NPS (₹) | 6,00,000 |
| Gold and Silver (₹) | 2,00,000 |
| Real Estate – market value (₹) | 60,00,000 |
| Vehicles – resale value (₹) | 5,00,000 |
| Other Assets (₹) | 0 |
| Home Loan Outstanding (₹) | 35,00,000 |
| Result | Value |
|---|---|
| Net Worth | ₹45,50,000 |
| Total assets | ₹84,00,000 |
| Total liabilities | ₹38,50,000 |
| Liquid net worth | ₹12,50,000 |
| Debt-to-asset ratio | 45.8% |
| Financial assets (excl. home and vehicles) | ₹19,00,000 |
| Benchmark (age × income ÷ 10) | ₹52,50,000 |
| Standing | Average accumulator |
Tips for using the AI Net Worth Tracker
- Use realistic resale values for property and vehicles, not purchase prices.
- Track net worth every six months – the trend matters more than the number.