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Net worth calculator
One number that tells you whether you are moving forward. Work it out once, then check it every six months.
What to include
Use today’s values: bank balances, FDs, the current value of shares and funds, EPF, PPF and NPS balances, gold at today’s rate and a realistic property value. Subtract every loan outstanding and card due. The example adds ₹16 lakh of assets and subtracts ₹50,000 of debt for a net worth of ₹15.5 lakh.
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Reading the mix
- If most of your wealth is one home, you may be asset-rich and cash-poor.
- If almost nothing is in growth assets such as equity, inflation is eroding it.
- A falling net worth with a rising income usually means lifestyle debt.