Net worth is the total value of everything you own (assets) minus what you owe (liabilities). It’s the best measure of your true financial health. This dashboard tracks your assets – you can subtract loans manually.

We sum all your asset balances: PPF + EPF/VPF + NPS + Mutual Funds + Stocks + FD/RD + Gold + Emergency Fund + Savings + Investments + Property. The dashboard assumes zero liabilities for simplicity.

Tracking net worth every 6 months shows your financial progress. If it’s rising, your savings and investments are working. It also helps with loan approvals – banks prefer applicants with strong net worth.

Public Provident Fund (PPF) is a government‑backed long‑term savings scheme with tax benefits under Section 80C. Current interest rate is around 7.1%. The dashboard includes PPF as a fixed‑income asset.

Employee Provident Fund (EPF) includes contributions from both employee and employer, with interest currently ~8.15%. Voluntary Provident Fund (VPF) lets you contribute more. Both are treated as one retirement asset.

Both Tier 1 (locked until retirement) and Tier 2 (flexible withdrawals) count toward net worth. The dashboard combines them under NPS. Tier 1 offers extra tax benefits under Section 80CCD(1B).

Gold is treated as a tangible asset. Enter its current market value – whether physical (jewellery, coins) or digital gold. Gold acts as a hedge against inflation.

Yes, real estate and vehicles are assets. However, if you have loans against them, you’d ideally subtract that debt. The dashboard currently shows only assets – you can note loans separately.

Two formulas are used:
• Future value of current net worth: FV = PV × (1 + r)^n (annual compounding)
• Future value of monthly SIPs: FV SIP = P × [((1 + r/12)^(n×12) – 1) / (r/12)] × (1 + r/12) (annuity due, SIPs at month start). Both use 12% annual return.

12% is a reasonable long‑term average for equity‑oriented portfolios, based on historical Nifty returns (14‑15% over 20 years minus costs). Debt assets earn less, so blended returns may be 10‑12%. Adjust expectations based on your own asset mix.

Regular SIP invests a fixed amount monthly. Step‑up SIP increases the amount annually (e.g., 10% yearly). The dashboard’s projection assumes constant SIP, but you can simulate step‑up using the SIP sliders.

We take 70% of your monthly savings (Income – Expenses) as a conservative investable surplus. This follows the 50/30/20 rule (20% savings, most of which goes to investments).

It shows the percentage of each asset class in your total net worth. This helps check diversification – for example, if property exceeds 50%, you may be over‑concentrated in real estate.

Based on the number of non‑zero asset classes. With 11 possible categories, a score of 8+ indicates good spread. True diversification also considers correlation, but we count active asset types for simplicity.

We compare your rent/EMI value against total income. Financial planners recommend keeping housing expenses under 30‑40% of income. If yours is higher, the dashboard flags it.

Currently, we track only assets. Net worth = assets – liabilities, so you should manually subtract any outstanding loans. A future version may include liability tracking.

We use 6 months of your monthly expenses. For example, if expenses are ₹50,000, the target is ₹3,00,000. This follows the standard rule of thumb for financial safety.

The insight box will suggest building it up. You can adjust the emergency slider to see how much more you need to save.

No. All data stays in your browser. Refreshing the page resets everything. We never see or store your numbers – complete privacy.

Not yet. This is a manual planning tool. For automatic syncing, you could use apps like FOLO or Wallet4Wealth which connect to 70+ sources.

Yes, the layout is fully responsive – works on phones, tablets, and desktops.

FOLO and Wallet4Wealth automatically sync your actual holdings via account aggregator. Our dashboard is manual and interactive – you adjust sliders to explore “what‑if” scenarios. It’s a planning tool, not a live tracker. Kubera is global but paid; we are free.

Yes, it’s on the roadmap. You’ll be able to enter home loan, car loan, etc., and see true net worth.

Under consideration. For now, screenshot or note down numbers. Browser storage may be added later.

We’re evaluating user demand. The “Investments” category can be used as a catch‑all for now.