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Add up everything you own and subtract everything you owe to find your true net worth — then see how much it must grow each year just to outrun inflation.
Net worth is the simplest and most honest measure of financial health:
To preserve purchasing power, net worth must grow by at least the inflation rate each year.
With $302,000 in assets (cash, investments, a $250,000 home, retirement, and a car) and $197,000 in liabilities (mortgage, loans, and credit-card debt), net worth is $105,000 and the debt-to-asset ratio is about 65%. At 2.5% inflation, that net worth must grow about $2,600 a year just to hold its purchasing power.
Calculate how much you need to save monthly or in a lumpsum to reach your financial target, adjusted for inflation.
Calculate the returns of your Systematic Investment Plan (SIP) and see its real inflation-adjusted value.
Calculate how the value of money decreases over time and see the future cost of today's goods.
Your Net Worth
$105K
Assets $302K − Liabilities $197K
Debt-to-Asset Ratio
65%
High — prioritise paydown
Equity Share
35%
of assets are truly yours
A static net worth quietly shrinks. To merely preserve the purchasing power of $105K, it needs to grow about $2,625 this year just to offset 2.5% inflation. Anything less and you're getting poorer in real terms while the number stays the same.