Net worth & goal-planning example

A fully worked, anonymized example — every figure below belongs to a fictional sample household, not a real WealthJot user. It applies the exact formulas from the Methodology referenceto realistic plain-text numbers, so the calculation is citable without exposing anyone's real financial data.

Sample household: assets

Savings & checking accounts₹6,20,000
Equity mutual funds & stocks₹21,50,000
PPF / EPF₹9,80,000
Fixed deposits₹4,50,000
Primary residence₹65,00,000

total_assets = ₹1,07,00,000

Sample household: liabilities

Home loan (outstanding)₹32,00,000
Car loan (outstanding)₹2,80,000
Credit card balance₹35,000

total_liabilities = ₹35,15,000

Net worth

net_worth = total_assets − total_liabilities = ₹1,07,00,000 − ₹35,15,000 = ₹71,85,000

ResultThis sample household's net worth is ₹71,85,000.

Goal example: FIRE / retirement number

Say this household spends ₹9,00,000 a year and targets a 4% safe withdrawal rate. The FIRE number (the corpus that funds those expenses indefinitely) is:

fire_number = annual_expenses / (withdrawal_rate / 100) = ₹9,00,000 / 0.4 = ₹2,25,00,000

Comparing current net worth to that goal gives a progress percentage:

goal_progress = net_worth / fire_number × 100 = ₹71,85,000 / ₹2,25,00,000 × 100 ≈ 32%

ResultThis sample household is about 32% of the way to its ₹2,25,00,000 FIRE goal.

Every real WealthJot user's actual net worth and goal-progress numbers are private — they only render on /networth and /goals behind sign-in. This page exists purely as an owned, citable worked example of the underlying math.