Frequently Asked Questions

❓ 1. What is net worth?

Net worth = Assets – Liabilities

Assets include:

  • Bank balance
  • SIP value
  • Shares
  • Land
  • Gold
  • Real estate

Liabilities include:

  • Loans
  • Outstanding EMIs
  • Credit card debt

❓ 2. What is CAGR? Why do we use it?

CAGR (Compound Annual Growth Rate) shows how your investment grows on average every year.

Formula:

CAGR = ((Final Value / Initial Value)^(1/n)) - 1

We use CAGR because:

  • SIPs and mutual funds grow non-linearly
  • Returns compound over time
  • Easier to estimate long-term growth

❓ 3. How do you calculate SIP growth?

Monthly rate:

r = (1 + CAGR)^(1/12) - 1

Portfolio:

V_m = (V_(m-1) × (1 + r)) + SIP

❓ 4. Can I add multiple SIPs or investments?

Yes. You can add unlimited:

  • SIPs
  • Lump sums
  • Assets
  • Loans

Each gets calculated separately.

❓ 5. How do withdrawals affect net worth?

When you withdraw:

  • We reduce your corpus
  • Remaining funds continue compounding
  • SIP continues unless you stop it

❓ 6. How do loans affect my future?

Loans reduce net worth because:

  • You pay interest
  • EMI goes out every month
  • Asset value may or may not appreciate

❓ 7. Is this calculator accurate?

We use:

  • Standard EMI formulas
  • Industry-standard CAGR math
  • Monthly compounding
  • Correct proportional asset deduction rules

This is the most accurate net worth simulation model available to consumers.

❓ 8. Who should use this?

  • Salaried employees
  • Small business owners
  • Anyone earning ₹0 to ₹30 lakh per year
  • People planning retirement early
  • People buying a home or car
  • SIP investors
  • Anyone curious about their future money

❓ 9. Is my data safe?

We do NOT store your data.

Everything runs inside your browser.