{"id":152,"date":"2025-09-12T04:15:18","date_gmt":"2025-09-11T22:45:18","guid":{"rendered":"https:\/\/myexpenseplanner.in\/blog\/?page_id=152"},"modified":"2025-09-21T15:37:19","modified_gmt":"2025-09-21T10:07:19","slug":"net-worth-calculator","status":"publish","type":"page","link":"https:\/\/myexpenseplanner.in\/blog\/net-worth-calculator\/","title":{"rendered":"Net Worth Calculator \u2014 Track Your Assets &amp; Liabilities | MyExpensePlanner"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n<title>Net Worth Calculator \u2014 MyExpensePlanner<\/title>\n<meta name=\"description\" content=\"Calculate your projected net worth including cash, real estate, annual expenditure, loans, income, and asset-wise returns for Fixed Deposit, Stocks, Mutual Funds, and Others, with nominal and inflation-adjusted projections in INR words.\">\n<style>\nbody {\n  font-family: Arial, sans-serif;\n  background: #f4f4f9;\n  margin: 0;\n  padding: 20px;\n}\n\n.container {\n  max-width: 750px;\n  margin: auto;\n  background: #fff;\n  padding: 20px;\n  border-radius: 12px;\n  box-shadow: 0 2px 10px rgba(0,0,0,0.1);\n}\n\nh1 {\n  text-align: center;\n  color: #333;\n}\n\nlabel {\n  display: block;\n  margin: 10px 0 5px;\n  color: #555;\n}\n\ninput {\n  width: 100%;\n  padding: 10px;\n  margin-bottom: 15px;\n  border: 1px solid #ddd;\n  border-radius: 6px;\n}\n\nbutton {\n  width: 100%;\n  padding: 12px;\n  background: #007bff;\n  color: white;\n  border: none;\n  border-radius: 6px;\n  cursor: pointer;\n  font-size: 16px;\n  margin-bottom: 10px;\n}\n\nbutton:hover {\n  background: #0056b3;\n}\n\n.back-btn {\n  background: #555;\n  margin-top: 20px;\n}\n\n\/* Results + Chart Layout *\/\n.results-container {\n  display: flex;\n  gap: 20px;\n  margin-top: 20px;\n  align-items: flex-start; \/* vertical alignment *\/\n  justify-content: space-between;\n  flex-wrap: wrap;\n}\n\n.results-boxes {\n  flex: 1;\n  min-width: 250px;\n  display: flex;\n  flex-direction: column;\n  gap: 12px;\n}\n\n.results-chart {\n  flex: 1;\n  max-width: 400px;\n  min-width: 250px;\n  display: none; \/* hidden until calculation *\/\n}\n\n\/* Result cards *\/\n.result-card {\n  padding: 12px 16px;\n  border-radius: 8px;\n  font-size: 15px;\n  font-weight: 600;\n  color: white;\n  text-align: center;\n  box-shadow: 0 2px 6px rgba(0,0,0,0.12);\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  gap: 8px;\n}\n\n\/* Card colors *\/\n#nominalNetWorth { background: #2563eb; } \/* blue *\/\n#inflationAdjustedNetWorth { background: #ff7f50; } \/* coral *\/\n\n\/* Mobile responsiveness *\/\n@media (max-width: 768px) {\n  .results-container {\n    flex-direction: column;\n    align-items: center;\n  }\n  .results-chart {\n    max-width: 100%;\n  }\n}\n\ncanvas {\n  margin-top: 0;\n}\n<\/style>\n<\/head>\n<body>\n\n<div class=\"container\">\n  <h1>Net Worth Calculator<\/h1>\n\n  <!-- Base Assets -->\n  <label for=\"cash\">Cash\/Savings (\u20b9)<\/label>\n  <input type=\"number\" id=\"cash\" value=\"50000\">\n\n  <label for=\"property\">Real Estate\/Property (\u20b9)<\/label>\n  <input type=\"number\" id=\"property\" value=\"200000\">\n\n  <label for=\"loans\">Loans\/Liabilities (\u20b9)<\/label>\n  <input type=\"number\" id=\"loans\" value=\"100000\">\n\n  <label for=\"income\">Annual Income (\u20b9)<\/label>\n  <input type=\"number\" id=\"income\" value=\"50000\">\n\n  <label for=\"years\">Projection Period (Years)<\/label>\n  <input type=\"number\" id=\"years\" value=\"10\">\n\n  <label for=\"inflation\">Expected Inflation Rate (%)<\/label>\n  <input type=\"number\" id=\"inflation\" value=\"5\">\n\n  <label for=\"expenditure\">Annual Expenditure (\u20b9)<\/label>\n  <input type=\"number\" id=\"expenditure\" value=\"30000\">\n\n  <label for=\"propertyROI\">Real Estate Annual ROI (%)<\/label>\n  <input type=\"number\" id=\"propertyROI\" value=\"6\">\n\n  <!-- Asset-wise Returns -->\n  <label for=\"fd\">Fixed Deposit (\u20b9)<\/label>\n  <input type=\"number\" id=\"fd\" value=\"50000\">\n  <label for=\"fdRate\">FD Return (%)<\/label>\n  <input type=\"number\" id=\"fdRate\" value=\"6\">\n\n  <label for=\"stocks\">Stocks (\u20b9)<\/label>\n  <input type=\"number\" id=\"stocks\" value=\"50000\">\n  <label for=\"stocksRate\">Stocks Return (%)<\/label>\n  <input type=\"number\" id=\"stocksRate\" value=\"12\">\n\n  <label for=\"mf\">Mutual Funds (\u20b9)<\/label>\n  <input type=\"number\" id=\"mf\" value=\"50000\">\n  <label for=\"mfRate\">MF Return (%)<\/label>\n  <input type=\"number\" id=\"mfRate\" value=\"10\">\n\n  <label for=\"others\">Other Assets (\u20b9)<\/label>\n  <input type=\"number\" id=\"others\" value=\"20000\">\n  <label for=\"othersRate\">Others Return (%)<\/label>\n  <input type=\"number\" id=\"othersRate\" value=\"8\">\n\n  <button onclick=\"calculateNetWorth()\">Calculate Net Worth<\/button>\n\n  <!-- Results + Chart Side by Side -->\n  <div class=\"results-container\">\n    <div class=\"results-boxes\">\n      <div class=\"result-card\" id=\"nominalNetWorth\">\ud83d\udcb0 Nominal Net Worth: \u20b90<\/div>\n      <div class=\"result-card\" id=\"inflationAdjustedNetWorth\">\ud83d\udcc9 Inflation-Adjusted Net Worth: \u20b90<\/div>\n    <\/div>\n    <div class=\"results-chart\">\n      <canvas id=\"lineChart\" width=\"700\" height=\"400\"><\/canvas>\n    <\/div>\n  <\/div>\n\n  <a href=\"financial-calculators\"><button class=\"back-btn\">Back to All Calculators<\/button><\/a>\n<\/div>\n\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n<script>\nlet lineChartInstance;\n\n\/\/ INR words function\nfunction numberToINRWords(num) {\n    if (num === 0) return \"zero rupees\";\n    const a = ['','one','two','three','four','five','six','seven','eight','nine','ten','eleven','twelve',\n               'thirteen','fourteen','fifteen','sixteen','seventeen','eighteen','nineteen'];\n    const b = ['','', 'twenty','thirty','forty','fifty','sixty','seventy','eighty','ninety'];\n    const units = [\n        {value:10000000, name:'crore'},\n        {value:100000, name:'lakh'},\n        {value:1000, name:'thousand'},\n        {value:100, name:'hundred'}\n    ];\n    let words = '';\n    for (let i=0; i<units.length; i++) {\n        let u = units[i];\n        if (num >= u.value) {\n            let count = Math.floor(num \/ u.value);\n            if (count < 20) words += a[count] + ' ' + u.name + ' ';\n            else { words += b[Math.floor(count\/10)] + ' '; if(count%10>0) words+=a[count%10]+' '; words+=u.name+' '; }\n            num -= count * u.value;\n        }\n    }\n    if(num>0){\n        if(num<20) words += a[num] + ' ';\n        else { words += b[Math.floor(num\/10)]+' '; if(num%10>0) words+=a[num%10]+' '; }\n    }\n    return words.trim() + ' rupees';\n}\n\nfunction calculateNetWorth() {\n  let cash = Number(document.getElementById('cash').value);\n  let property = Number(document.getElementById('property').value);\n  const loans = Number(document.getElementById('loans').value);\n  const income = Number(document.getElementById('income').value);\n  const years = Number(document.getElementById('years').value);\n  const inflation = Number(document.getElementById('inflation').value)\/100;\n  const expenditure = Number(document.getElementById('expenditure').value);\n  const propertyROI = Number(document.getElementById('propertyROI').value)\/100;\n\n  const fd = Number(document.getElementById('fd').value);\n  const fdRate = Number(document.getElementById('fdRate').value)\/100;\n  const stocks = Number(document.getElementById('stocks').value);\n  const stocksRate = Number(document.getElementById('stocksRate').value)\/100;\n  const mf = Number(document.getElementById('mf').value);\n  const mfRate = Number(document.getElementById('mfRate').value)\/100;\n  const others = Number(document.getElementById('others').value);\n  const othersRate = Number(document.getElementById('othersRate').value)\/100;\n\n  let labels = [], nominalData = [], inflationAdjustedData = [];\n\n  let currentCash = cash;\n\n  for (let i=0; i<=years; i++){\n    labels.push(i+'y');\n\n    if(i>0){\n      currentCash = Math.max(0, currentCash + income - expenditure);\n      property = property * (1 + propertyROI);\n    }\n\n    const fdFuture = fd * Math.pow(1+fdRate,i);\n    const stocksFuture = stocks * Math.pow(1+stocksRate,i);\n    const mfFuture = mf * Math.pow(1+mfRate,i);\n    const othersFuture = others * Math.pow(1+othersRate,i);\n\n    const totalAssets = currentCash + property + fdFuture + stocksFuture + mfFuture + othersFuture;\n    const nominalNetWorth = totalAssets - loans;\n    nominalData.push(nominalNetWorth);\n\n    const inflationAdjustedNetWorth = nominalNetWorth \/ Math.pow(1 + inflation, i);\n    inflationAdjustedData.push(inflationAdjustedNetWorth);\n  }\n\n  const finalNominal = Math.round(nominalData[nominalData.length-1]);\n  const finalInflationAdjusted = Math.round(inflationAdjustedData[inflationAdjustedData.length-1]);\n\n  document.getElementById('nominalNetWorth').innerText = `\ud83d\udcb0 Nominal Net Worth: \u20b9${finalNominal.toLocaleString()}`;\n  document.getElementById('inflationAdjustedNetWorth').innerText = `\ud83d\udcc9 Inflation-Adjusted Net Worth: \u20b9${finalInflationAdjusted.toLocaleString()}`;\n\n  document.querySelector('.results-chart').style.display = 'block';\n\n  const ctx = document.getElementById('lineChart').getContext('2d');\n  if(lineChartInstance) lineChartInstance.destroy();\n\n  lineChartInstance = new Chart(ctx,{\n    type:'line',\n    data:{\n      labels:labels,\n      datasets:[\n        {\n          label:'Nominal Net Worth (\u20b9)',\n          data:nominalData,\n          borderColor:'#2563eb',\n          backgroundColor:'rgba(37,99,235,0.2)',\n          fill:false,\n          tension:0.3,\n          pointRadius:3\n        },\n        {\n          label:'Inflation-Adjusted Net Worth (\u20b9)',\n          data:inflationAdjustedData,\n          borderColor:'#ff7f50',\n          backgroundColor:'rgba(255,127,80,0.2)',\n          fill:false,\n          tension:0.3,\n          pointRadius:3\n        }\n      ]\n    },\n    options:{\n      responsive:true,\n      scales:{\n        y:{beginAtZero:true,title:{display:true,text:'Net Worth (\u20b9)'}},\n        x:{title:{display:true,text:'Years'}}\n      }\n    }\n  });\n}\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Net Worth Calculator \u2014 MyExpensePlanner Net Worth Calculator Cash\/Savings (\u20b9) Real Estate\/Property (\u20b9) Loans\/Liabilities (\u20b9) Annual Income (\u20b9) Projection Period (Years) Expected Inflation Rate (%) Annual Expenditure (\u20b9) Real Estate Annual ROI (%) Fixed Deposit (\u20b9) FD Return (%) Stocks (\u20b9) Stocks Return (%) Mutual Funds (\u20b9) MF Return (%) Other Assets (\u20b9) Others Return [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-152","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/pages\/152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/comments?post=152"}],"version-history":[{"count":24,"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/pages\/152\/revisions"}],"predecessor-version":[{"id":406,"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/pages\/152\/revisions\/406"}],"wp:attachment":[{"href":"https:\/\/myexpenseplanner.in\/blog\/wp-json\/wp\/v2\/media?parent=152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}