Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
Net Worth Tracker
Is your balance sheet actually moving in the right direction? Capture assets and liabilities in one place, see how a market drop or property swing would reshape net worth, and track the trend month by month.
Inputs
Capture your current balance sheet in one place. Updates feed your Financial Health Score.
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Bookmark these inputs, copy a link, or send the result to someone.
Current net worth
₹26.5L
You are building
Your assets are ahead of liabilities.
Track this monthly and make sure new debt improves earning power or quality of life.
Total assets
₹30.5L
Total liabilities
₹4L
Net worth
₹26.5L
Breakdown
- Cash₹3L8.7%
- Investments₹18L52.2%
- EPF₹7.5L21.7%
- Gold₹2L5.8%
- Loans-₹4L11.6%
Benchmarks
If investments dropped 20%
+15.7%You
₹26.5L
Benchmark
₹22.9L
A bear market stress-test of your current allocation.
If property appreciated 10%
You
₹26.5L
Benchmark
₹26.5L
Illiquid but real — circle-rate or broker mark-up.
If you were debt-free
-13.1%You
₹26.5L
Benchmark
₹30.5L
Paying down loans moves the needle one-for-one.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
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Save it to your account so you can revisit it anytime, or share the scenario with someone who needs to see it.
At a glance
- What it does
- Computes net worth as total assets minus total liabilities, broken down by asset class (cash, investments, EPF, property, gold).
- Why it matters
- Net worth direction is the single most reliable signal of financial progress — more honest than income or lifestyle.
- Typical output
- ₹30L cash/investments + ₹7.5L EPF + ₹2L gold − ₹4L loans = ~₹35.5L net worth across 5 asset classes.
- Best used for
- A monthly or quarterly balance-sheet snapshot. Feeds directly into the Financial Health Score diversification pillar.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Total assets include cash, investments, retirement balances, property, and other assets.
- Net worth = total assets - total liabilities.
- Allocation view shows where your wealth is concentrated.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Asset values should be realistic mark-to-market estimates, not aspirational numbers.
- Net worth is a snapshot and should be paired with cash-flow context.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Is negative net worth always bad?
Not necessarily. Early-career professionals or recent homebuyers often start there, but the trend over time matters.
How often should I update it?
Monthly or quarterly is enough for most people unless a major purchase or debt change happens.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
What to do next
Comparison pages
No direct comparison yet.
Related guides
Long-form explainers that put the math behind this tool in context.
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Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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