Net Worth Reality Check — Your True Wealth Score
Calculate your gross net worth — then discover your True Wealth Score: how much of your net worth actually generates income for you vs. just looking good on paper.
Income-Producing Assets
Put money IN your pocket
Stocks / Mutual Funds
12% yield
Rental Property
3.5% yield
Fixed Deposits
6.5% yield
Business Equity
8% yield
Lifestyle Assets
Have value, but don't generate income
Primary Home (self-occupied)
0% yield
Car / Vehicles
0% yield
Gold / Jewellery
0% yield
Savings Account
3.5% yield
Liabilities
Outstanding balance + monthly EMI
Home Loan
Car Loan
Credit Card Debt
Personal Loans
Enter your assets and liabilities above to see your net worth reality check.
How to interpret and improve your True Wealth Score
Why Your Net Worth Number Can Lie to You
Two people can have the same ₹50 lakh net worth and be in completely different financial positions. Person A has ₹50 lakh in NIFTY 50 index funds — generating ₹50,000/month at 12% returns. Person B has ₹50 lakh in a car, jewellery, and a flat they live in — generating ₹0/month in income.
Person A can live off their assets. Person B has paper wealth but is completely dependent on their salary. The True Wealth Score reveals this difference — it's not about how much you have, but how much of what you have works for you.
The Rich Dad Poor Dad Balance Sheet — Indian Context
Robert Kiyosaki's financial statement, made famous in Rich Dad Poor Dad, classifies assets and liabilities differently from an accountant: an asset is anything that puts money in your pocket, and a liability is anything that takes money out. By this definition:
- Your self-occupied home is a liability (EMI, maintenance, tax drain your cash flow)
- Your car is a liability (loan EMI, petrol, insurance, depreciation)
- Your rental property is an asset (generates monthly rent)
- Your SIP in NIFTY 50 is an asset (grows and can generate 4% withdrawal income)
- Gold jewellery is neither — it has value but generates no monthly income
How to Improve Your True Wealth Score in India
Start or increase monthly SIPs into NIFTY 50 index funds — the single highest-impact action for most Indian professionals.
Pay down high-interest debt (credit cards, personal loans) first — reducing liabilities directly improves True Wealth Score.
Avoid taking on new consumer liabilities (car loans, personal loans for gadgets) that add to your liability column with no income return.
If you buy property, prefer rental properties over larger personal homes — or ensure your primary home EMI is low enough to invest the difference.
Build a 6-month emergency fund in a high-interest savings account or liquid fund — this converts non-performing cash into a mild income asset.
Frequently Asked Questions
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