Net Worth Calculator — Aapki Asli Daulat
Salary se pata nahi chalta ki aap kitne ameer hain. Net worth se chalta hai. Neeche apni saari sampatti aur saara karza daaliye — asli number saamne aa jayega.
Net worth kya hai aur kyun mayne rakhta hai
Bas itna hi. Par ye ek number wo baat bata deta hai jo salary kabhi nahi batati.
Do log lijiye. Dono ki salary ₹1 lakh mahina.
- Pehla — gaadi par loan ₹6 lakh, credit card par ₹2 lakh, bachat ₹1 lakh. Net worth: −₹7 lakh
- Doosra — koi loan nahi, PF me ₹8 lakh, FD me ₹3 lakh. Net worth: +₹11 lakh
Salary barabar, par sthiti me ₹18 lakh ka farak. Pehle wale ko lagta hai wo achha kama raha hai — aur kama bhi raha hai — par uska paisa har mahine dusron ke paas ja raha hai.
Isi liye ye number saal me ek-do baar nikaalna chahiye. Ye ek "report card" hai jo jhooth nahi bolta.
Assets me kya-kya jodna hai
Sab kuch jodiye jiski aaj bazaar me keemat hai:
- Bank — savings, current, FD, RD
- Nivesh — mutual fund, share, PPF, EPF, NPS, NSC, KVP, bonds
- Sona-chaandi — aaj ke bhaav par, kharidne ke bhaav par nahi
- Property — makan, dukaan, plot, khet — aaj ki bazaar keemat
- Gaadi — aaj ki resale keemat, showroom keemat nahi
- Jo paisa kisi ko diya hai — wahi jo sach me wapas aane wala hai
Aur ek cheez jo assets me nahi aati — aapki salary. Wo aay hai, sampatti nahi. Salary se sampatti banti hai, par khud salary sampatti nahi hai.
Karze me kya-kya ginna hai
Yahan log sabse zyada chhupate hain — apne aap se hi. Poori list bananiye:
- Home loan — jitna abhi bakaya hai, poora loan nahi
- Car ya bike loan — bakaya rakam
- Personal loan, gold loan, education loan
- Credit card — poora bakaya, sirf minimum due nahi
- EMI wale saman — mobile, fridge, furniture jo "no cost EMI" par liya
- Ghar walon ya doston se liya udhaar — chahe koi kaagaz na ho
- Dukaan ka udhaar khaata, agar chalta ho
Credit card wali baat khaas hai. Minimum due dekhkar log sochte hain karza chhota hai. Karza poora bakaya hai — aur us par sabse mehnga byaj chal raha hai. Uska asli hisaab Credit Card Payoff Calculator me dekhiye.
Ye number badhta kaise hai
Net worth badhne ke sirf do raste hain: assets badhao, ya karza ghatao. Teesra koi rasta nahi.
Sabse tez asar in cheezon ka padta hai:
- Sabse mehnga karza pehle khatam kariye. Credit card ka byaj sabse zyada hota hai — usi ko pehle maariye. ₹1 bachaya hua byaj ₹1 kamaye hue se behtar hai, kyunki us par tax bhi nahi lagta.
- Har mahine kuch na kuch nivesh — chahe chhota ho. SIP ka poora asar 5-10 saal me dikhta hai.
- Nayi EMI se bachiye. Har nayi EMI net worth ko do taraf se maarti hai — karza badhta hai aur bachat ka paisa kam hota hai.
- Salary badhe to kharcha mat badhaiye. Hike ka aadha hissa seedha nivesh me daal dijiye. Yahi ek aadat sabse zyada farak laati hai.
Kitna bacha rahe hain ye dekhne ke liye Savings Rate Calculator aur karze ka bojh naapne ke liye DTI Calculator dekhiye.
Aksar pooche jaane wale sawaal
Net worth me apna ghar jodna chahiye?
Haan, aaj ki bazaar keemat par. Aur uske saath home loan ka bakaya bhi karze me jodiye. Dono jodne par asli tasveer banti hai.
Net worth minus me hai, kya ye bura hai?
Zaroori nahi. Naye home loan ya education loan ke baad ye aam baat hai. Dekhiye ye ki har saal number upar ja raha hai ya nahi.
Salary ko assets me ginna chahiye?
Nahi. Salary aay hai, sampatti nahi. Salary se sampatti banti hai — par khud wo sampatti nahi hai.
Ye hisaab kitni baar karna chahiye?
Saal me ek ya do baar kaafi hai. Har mahine dekhne se kuch faayda nahi, kyunki bade badlaav dhire hote hain.