What is net worth and how is it calculated?
Net worth is everything you own (assets) minus everything you owe (liabilities). This calculator groups your assets into Debt & Fixed Income, Equity & Market-Linked, and Real & Physical Assets, adds them up, then subtracts your total outstanding loans to arrive at your net worth.
What is the 'Growth %' next to each asset, and where do the defaults come from?
It's the annual return you expect that asset to earn, pre-filled with a sensible default (e.g. 4% for savings, 8% for FDs/PPF/EPF/bonds, 12% for stocks/mutual funds/NPS, 14% for international funds) that you can edit for any line. The calculator uses these, weighted by how much you've entered in each, to work out a single blended growth rate for your whole portfolio — and to project your net worth forward assuming that rate holds and today's liabilities stay flat.
How is my car's current value calculated?
Enter the car's original purchase price and its age in months, and the calculator assumes 1% depreciation per month on a reducing-balance basis (this month's value is 99% of last month's) — a common rule-of-thumb approximation, not an official valuation.
Is my financial data stored or shared?
No. Every number you enter stays in your browser tab and is used only to calculate the totals shown on screen — nothing is saved, uploaded, or sent to WealthMetric or anyone else.
What is the debt-to-asset ratio?
It's your total liabilities divided by your total assets, shown as a percentage. A lower ratio generally means more of what you own is actually yours (less financed by debt), which usually means more cushion if asset values fall or income is disrupted.
Why does the calculator separate 'Debt & Fixed Income' from 'Liabilities'?
They're opposite things that happen to share the word 'debt' in everyday use. 'Debt & Fixed Income' is money you've lent out or parked safely (FDs, PPF, bonds) — it's an asset. 'Liabilities' is money you owe (loans, credit card dues) — it's subtracted from your assets to get net worth.