Know exactly where you stand — today.
Net worth = what you own minus what you owe. Vybe Money's net worth tracker groups your equity, debt, gold, real estate and cash on one side, your home loan, personal loan and credit card debt on the other, and gives you one honest number.
Why net worth is the most honest number
Salary tells you how much money enters your life. Net worth tells you how much stays. Two people earning ₹20L a year can have wildly different net worths depending on their savings rate, their debt and their asset allocation. Tracking net worth even quarterly turns money from something abstract into something visibly building.
What counts as an asset
Vybe Money splits assets into five buckets: Equity (mutual funds, stocks, ULIPs), Debt (EPF, PPF, FD, debt funds, bonds, NPS Tier-I), Gold (physical, SGB, gold ETFs), Real Estate (self-occupied, rentals, plots), and Cash (savings, liquid funds, emergency fund). Each bucket has its own expected return and its own role in the plan.
Liabilities that quietly compound against you
The other side of the balance sheet is easy to forget. Home loans, education loans, car EMIs, personal loans and any revolving credit card balance all reduce net worth. Vybe Money's tracker also flags high-cost debt (like the 36% APR on rolled-over credit card balances) so you can prioritise paying them down before adding new investments.
One number, feeding every other plan
Your current net worth is the starting point for every other calculation in Vybe Money — FIRE, retirement, tax on capital gains, insurance cover. Get it right once and every downstream projection sharpens.