Question 1

What is net worth and why does it matter?

Accepted Answer

Net worth = Total Assets − Total Liabilities. It is the most accurate measure of your financial health. A positive and growing net worth means you are building wealth. Track it every 6 months to measure financial progress.

Question 2

What is a good net worth by age in India?

Accepted Answer

A rough benchmark: Net Worth ≈ Age × Annual Income / 10. E.g., at 35 with ₹12L annual income, target ₹42L net worth. But this varies greatly by city, profession, and goals. The key is consistent growth year over year.

Question 3

What assets should I include in net worth?

Accepted Answer

Include: Cash, bank balances, FDs, stocks, mutual funds, real estate (current market value), gold, EPF/PPF balance, business ownership value, and any other valuable assets. Use current market values, not purchase prices.

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