About CheckYourNetWorth.in

India's Most Accurate Future Net Worth Calculator

CheckYourNetWorth.in is a simple yet powerful net worth forecasting tool made for Indian earners, especially those earning between ₹0 to ₹30 lakh per year, who want to understand how their money grows over time.

Most of us invest through:

  • SIPs
  • Fixed deposits
  • Mutual funds
  • Occasional lump-sum investments
  • Buying land, flats, or gold
  • Taking car loans or home loans

…but nobody shows how all these together affect your future net worth.

That's where CheckYourNetWorth.in comes in.

⭐ What This Tool Does

It calculates your future wealth by combining:

✔ Initial Capital

How much you have today.

✔ SIP Investments

You enter your SIP amount and expected return (CAGR), and we project your growth monthly.

✔ Lump-Sum Investments

One-time investments like bonuses, maturity, PF withdrawals, insurance payouts, etc.

✔ Withdrawals

You can simulate:

  • taking out money for buying a house
  • child's education
  • medical emergencies
  • early retirement withdrawals

✔ Asset Purchases

Buy and sell:

  • Land
  • Houses
  • Gold
  • Stocks
  • Mutual funds
  • Crypto

Each asset appreciates or depreciates individually based on your inputs.

✔ Loans

Two types:

  1. Plain Loans: Take a personal or car loan → EMI reduces net worth.
  2. Asset-Backed Loans: Home loan or car loan → the loan reduces net worth but the asset adds value.

📈 How We Calculate Growth (Simple Explanation)

Monthly ROI from Annual CAGR

If CAGR = 9%, Monthly rate = (1 + 0.09)^(1/12) - 1

Your SIP grows like: Portfolio_m = (Portfolio_(m-1) × (1 + r)) + SIP

Loan EMI Formula

EMI is calculated using: EMI = P × [r(1+r)^n] / [(1+r)^n - 1]

where P = loan amount, r = monthly interest rate, n = loan tenure in months

Net Worth Formula

Net Worth = Total Assets - Total Liabilities

We do this month-by-month for the entire duration.

🧠 Why We Built This

Most people earning below ₹30 lakh/year don't have financial planners.

This tool helps them:

  • understand their money
  • avoid bad decisions
  • plan big goals
  • estimate retirement wealth
  • stay prepared for emergencies
  • see loan impact clearly
  • track future value of assets

We want you to take better, smarter financial decisions.

❤️ Our Mission

To make long-term financial planning simple, transparent, and visual for every Indian.

No jargon.

No calculators scattered everywhere.

Just one place to see your entire financial future.