Net Worth Lab

Track FD, SIP, stocks & project your wealth

Add every investment and debt — FD, SIP, mutual funds, stocks, gold, PPF, real estate — and see your net worth grow over time.

Shared profile · €3,500/mo · EURedit on Dashboard

Portfolio Presets

100growth
Wealth Projection

-€850,000€40,730,908

Over 20 years with 6 investments and 2 debts

Gains
€30,880,908
Invested
€9,850,000
Real NW
€22,551,716
Passive/mo
€135,770

Current Net Worth

-€850,000

€2,050,000 assets − €2,900,000 debt

Projected (20yr)

€40,730,908

Real value: €22,551,716

Total Gains

€30,880,908

314% return on €9,850,000 invested

Avg Annual Growth

0.0%

Doubles in ~999.0 years

4% Passive Income

€135,770/mo

At projected net worth

Debt Ratio

0%

€0 debt remaining

Add Investment

Lump sum with fixed tenure

Monthly systematic investment

Equity portfolio growth

Annual tax-saving contribution

Physical or digital gold

Liquid savings account

Portfolio Insights

Strong wealth compounding

Your portfolio is projected to grow 314% over 20 years — 3,08,80,908.413 in gains on top of contributions.

20,000/mo invested systematically

Regular contributions benefit from rupee-cost averaging and compound over the full projection period.

Inflation erodes real value

After 3% inflation, your 20-year net worth has ~55% of today's purchasing power.

Net Worth Projection

€-10.0M€0€10.0M€20.0M€30.0M€40.0M€50.0M036912151820

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Assets vs Debt

€0€10.0M€20.0M€30.0M€40.0M€50.0M036912151820
Total Assets
Total Debt

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Contributions vs Gains

€0€10.0M€20.0M€30.0M€40.0M036912151820
Total Contributed
Investment Gains

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Asset Growth Over Time

€0€5.0M€10.0M€15.0M€20.0M036912151820
Bank FD
Equity SIP
Stock Portfolio
PPF Account
Gold Holdings
Emergency Fund

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Projected Asset Allocation

Equity SIP: €16,472,714 (40.4%)Stock Portfolio: €11,359,911 (27.9%)PPF Account: €9,675,351 (23.8%)Bank FD: €2,015,314 (4.9%)Gold Holdings: €985,361 (2.4%)Emergency Fund: €222,258 (0.5%)
Total€40.7M
Equity SIP40.4%€16.5M
Stock Portfolio27.9%€11.4M
PPF Account23.8%€9.7M
Bank FD4.9%€2.0M
Gold Holdings2.4%€985K
Emergency Fund0.5%€222K

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By Asset Class

Fixed Deposit: €2,015,314 (4.9%)SIP / Mutual Fund: €16,472,714 (40.4%)Stocks / Equity: €11,359,911 (27.9%)PPF / Provident Fund: €9,675,351 (23.8%)Gold: €985,361 (2.4%)Cash / Savings: €222,258 (0.5%)
Total€40.7M
Fixed Deposit4.9%€2.0M
SIP / Mutual Fund40.4%€16.5M
Stocks / Equity27.9%€11.4M
PPF / Provident Fund23.8%€9.7M
Gold2.4%€985K
Cash / Savings0.5%€222K

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Holdings Breakdown (Projected)

Equity SIP
40.4%€16,472,714
Stock Portfolio
27.9%€11,359,911
PPF Account
23.8%€9,675,351
Bank FD
4.9%€2,015,314
Gold Holdings
2.4%€985,361
Emergency Fund
0.5%€222,258

FD compounds quarterly; SIP and stocks grow monthly with contributions. PPF adds annual deposits. Debt amortizes with your monthly payments. All projections are estimates — not financial advice.