Net worth
₹0
Assets minus outstanding liabilities
PERSONAL FINANCE / INR
Overview
Choose a grouping to open the Dashboard asset register. Print / Save PDF opens your browser’s print dialog; choose “Save as PDF” there.
THE BIG PICTURE
Your financial position
Assets at estimated current value, less active loan balances.
Total assets
₹0
Equities · FDs · Gold · NPS · Property
Total liabilities
₹0
Remaining principal + accrued schedule balance
ALLOCATION
Where your capital sits
Weights are a share of gross assets, not net worth.
COMPOSITION
Asset mix
0positions
Dated portfolio XIRR—
Eligible holdings0 / 0
Property value₹0
Enter dated purchase costs for annualized returns.
Monthly loan payments₹0Active scheduled EMIs
Monthly SIP plan₹0Recorded equity contributions
Equity P&L₹0Latest saved rates minus cost; check quote dates
This is a personal planning tool, not a bank or market feed. “Fetch market rates” requests provider quotes only for configured equities and funds. Unverified legacy estimates remain unchanged until a quote succeeds. Annualized returns use actual calendar days and one dated outflow per holding; planned SIPs are not cash flows. FD values use estimated continuous accrual to today; liabilities use an amortization estimate. Actual balances, taxes and fees may differ.
GROUPED ASSET REGISTER
Assets by asset type
See invested amount, current rate, value, CAGR and XIRR per position. Group XIRR pools eligible dated lots; loans are excluded.
A single dated purchase has the same CAGR and XIRR under this model. Group XIRR pools separate dated lots and uses only rows with a past date, positive invested cost, and positive current value; counts show the included rows. Blank returns mean a date, cost, or valid holding period is missing. Provider-verified equity prices show source and quote date. Older unverified estimates remain marked as such; NSE/BSE provider prices are end-of-day and fund NAVs are daily.
OWNERSHIP & CUSTODY
Family members & brokers
Add choices here, then select them when recording assets. Existing undated records remain unassigned until edited.
HOUSEHOLD
Family members
CUSTODIANS
Brokers / platforms
MARKETS
Equities & mutual funds
Fetch provider quotes for mapped NSE/BSE stocks and ETFs, and daily NAVs for Indian mutual funds.
PROVIDER QUOTES
Configure market data
Stocks and ETFs: Twelve Data /quote (your own API key; NSE/BSE coverage is end-of-day, not live intraday). Mutual funds: MFAPI daily scheme NAV, no key.
The key stays in this page’s memory, not in JSON backups or browser storage. A single-file client cannot keep a key secret from the browser or provider; use a server proxy for shared/production use. NSE/BSE prices from this provider are end-of-day, not live intraday; India access and rate limits depend on your plan. Map each holding to an exact exchange symbol or mutual-fund scheme code below. Unmapped/failed holdings keep their previous rate and are labeled unverified or stale.
No fetch yet. Add an exact market identifier to a holding, then fetch rates.
Current market value₹0
Total purchase cost₹0
Unrealized P&L₹0
HOLDINGS LEDGER
Asset tracking matrix
Record one dated purchase lot per row for accurate pooled XIRR. Prices update only on a successful provider response; date and source appear under each rate.
| Asset | Units | Avg cost | Latest saved rate | Value | P&L | SIP / mo | CAGR | Actions |
|---|
PORTFOLIO ENTRY
Add a holding
One dated purchase lot per row; exact provider identifier required to fetch. Planned SIP is excluded from XIRR.
STEADY & TANGIBLE
Deposits & alternatives
Current estimated FD value feeds net worth; maturity is a separate projection.
FD value today₹0
Physical gold value₹0
NPS balance₹0
FIXED DEPOSITS
Compounding schedule
Continuous compounding: A = P × ert.
| Bank / owner | Principal | Rate | Matures | Value now | At maturity | CAGR | Actions |
|---|
NEW DEPOSIT
Add a fixed deposit
BEYOND DEPOSITS
Gold & pension ledger
PHYSICAL GOLD
Weight × rate
Enter your own reference rate; no commodity feed is used.
Total gold weight0 g
| Holding / owner | Grams | Cost / g | Value | CAGR | Actions |
|---|
Add gold holding
NATIONAL PENSION SYSTEM
NPS accounts
Maintain balances manually from your latest statements.
| Account / owner | Invested | Balance | CAGR | Actions |
|---|
Add NPS balance
REAL ASSETS
Property portfolio
Track purchased area in square feet, original purchase rate, and your manually entered current rate.
Estimated current value₹0
Total purchase cost₹0
Unrealized change₹0
PROPERTY LEDGER
Area × current rate
Net worth uses your estimated current rate per sq ft, not an external appraisal.
| Property / owner | Area (sq ft) | Buy / sq ft | Current / sq ft | Value | CAGR | Actions |
|---|
PROPERTY ENTRY
Add a property
Use a single purchase date and rate for each parcel; split purchases into separate records.
DEBT POSITION
Liabilities ledger
Track outstanding amounts and ongoing EMI commitments.
Outstanding balance₹0
Monthly EMI commitment₹0
Active loans0
AMORTIZATION LEDGER
Your loans
Update payments made to advance the schedule and reduce outstanding balance.
| Type | Borrowed | APR | Paid / term | Outstanding | Monthly EMI | Actions |
|---|
LOAN DETAILS
Add a loan
PLANNING LAB
Financial calculators
Independent simulations; changing these assumptions does not change your portfolio.
COMPOUNDING
Monthly SIP
Beginning-of-month deposits with monthly compounding.
FV = P × [((1 + i)n − 1) / i] × (1 + i), with i = annual rate / 12. For a zero rate, FV = P × n. Returns are assumptions, not forecasts.
Projected future value₹0
Invested amount₹0
Estimated gain₹0
YEAR BY YEAR
Growth path
| Year | Invested | Projected value |
|---|
BORROWING
EMI planner
Level monthly payments on a reducing balance.
Monthly rate = APR / 12. The first 12 installments are itemized; totals exclude processing fees, insurance and prepayments.
Estimated monthly EMI₹0
Total interest₹0
Total repaid₹0
AMORTIZATION
First 12 payments
| Month | Interest | Principal | Balance |
|---|
INCOME PLANNING
Systematic withdrawal
End-of-month withdrawals from an invested lump sum.
Monthly balance first grows by annual rate / 12; then the withdrawal occurs. If funds run out, only the available balance is withdrawn. No taxes, inflation or market volatility.
Corpus at horizon₹0
Total paid out₹0
Funding status—
ANNUAL CHECKPOINTS
Drawdown path
| Year | Cumulative withdrawn | Remaining corpus |
|---|
All calculator results are deterministic estimates using the inputs shown. They are not investment or lending advice.