Automatic net worth
Add what you own and what you owe. CapitalMap calculates net worth as assets minus liabilities and keeps that total on the dashboard — no spreadsheet formulae to maintain.
CapitalMap · Net worth tracker
Track Your Net Worth in One Place
Track what you own, what you owe, and how your wealth changes over time. CapitalMap is a personal net worth tracker that stores your financial records in a Google Sheet you control.
CapitalMap dashboard
Assets₹48,20,000
Liabilities₹12,40,000
Net Worth₹35,80,000
What is net worth?
Everything You Own − Everything You Owe
Net worth is a stock, not a flow. For Indian households that includes retirement accounts, gold, and home loans — not only a brokerage balance. CapitalMap calculates the same formula from records you enter.
Assets
- Stocks
- Mutual Funds
- EPF / PPF / NPS
- Gold
- Property
Liabilities
- Home Loan
- Car Loan
- Personal Loan
- Credit Cards
- Other Debt
Equals
Net Worth
Try it live
A smart net worth calculator
Each visit starts with the same illustrative Indian household already filled in. Move the sliders to see assets, debt, and net worth update together. For the Indian line-item checklist, read how to calculate net worth in India.
Smart calculator
Assets − liabilities = net worth
Example household — same sample every time. Edit the figures; nothing is saved.
Net worth
₹35,80,000
₹35.8 L
Assets
₹48,20,000
Liabilities
₹12,40,000
Own 80%Owe 20%
- This sample is solvent: assets cover liabilities with ₹35.8 L left as net worth.
- Investments and retirement accounts are 50% of assets — liquid paper wealth, not the house.
- Home equity is ₹5 L (property minus outstanding home loan). Paying the loan with cash does not raise net worth — both sides of the sheet fall.
Illustrative calculator — not advice, and not your CapitalMap vault.
Why track net worth?
Income is not wealth.
Your salary tells you what you earn. Your net worth shows what you have built after accounting for what you owe. Track the change, not just the number.
Salary
₹2L / mo
Income flow
Net Worth
Position
Financial position
See your net worth grow
Your wealth over time
A single total cannot show whether you are compounding or quietly adding debt. Snapshot monthly. CapitalMap stores month-end history in the same Google Sheet as your assets and loans.
What can you track?
Everything contributing to your net worth
CapitalMap is a household balance sheet, not a trading app. List Indian investments, other assets, and debt in one place.
Investments
- Stocks
- Mutual Funds
- EPF
- PPF
- NPS
Other assets
- Gold
- Property
- Bank Accounts
- Cash
- Fixed Deposits
Debt
- Home Loans
- Car Loans
- Personal Loans
- Credit Cards
- Other Debt
From assets and debt to net worth
CapitalMap brings your financial position together
Your assets
- Mutual Funds
- Stocks
- EPF / PPF
- Gold
- Property
Your liabilities
- Home Loan
- Car Loan
- Credit Card
- Personal Loan
Net Worth
Your data. Your Google Sheet.
A different approach to wealth tracking
A net worth number in someone else’s database disappears if you uninstall the app. A Google Sheet you own does not. CapitalMap is a tracker UI: you sign in with Google, we create a Vault spreadsheet in your Drive, and balances stay in that file.
- 1CapitalMap
- 2Your Google Sheet
- 3Your financial records
Your financial records stay in a Google Sheet you own.
How CapitalMap works
Simple wealth tracking
1
Connect Google Account
Sign in so CapitalMap can create a Spreadsheet Vault in your Drive. That sheet is the system of record for net worth.
2
Track Assets + Debt
Add investments, gold, property, loans, and credit cards. Net worth, allocation, and invested-vs-current value update from those rows.
3
Review Net Worth History
Snapshot month-end totals, then use the dashboard chart, goals, expenses, and events to see why the number moved.
What CapitalMap provides
A net worth tracker, not another investment app
CapitalMap is a personal wealth dashboard for Indian households. It does not issue loans, move money, or give investment advice. It calculates net worth from records you enter, shows how that number is built, and stores the history in a Google Sheet you own.
India-ready asset and loan types
Log mutual funds, stocks, EPF, PPF, NPS, gold, property, bank cash, home loans, car loans, personal loans, and credit cards. The tracker is a household balance sheet, not a Western 401(k) template.
Current value and invested cost
Store today’s market or passbook value beside what you put in. Unrealised gain sits next to net worth so you do not mix paper profit with the household position.
Allocation, not only a total
See how assets split across cash, investments, gold, and real estate, and how debt splits across loan types. A large house can hide a thin cash buffer; the breakdown makes that visible.
Monthly snapshots and trend
Save month-end assets, liabilities, and net worth in the same Vault. Charts and month-over-month change show whether you are compounding or quietly adding debt.
Your Google Sheet as the record
Sign in with Google. CapitalMap creates a Spreadsheet Vault in your Drive and writes balances there. The dashboard is a view on that file — if you leave the app, the sheet stays yours.
Around the net worth number
Net worth is the headline. The same Vault also holds planning rows that explain why the number moved — without turning CapitalMap into a bank or a brokerage.
Goals
Set targets and link assets so net worth work has a destination, not only a number.
Expenses
Log monthly spend by category to judge whether cash on the balance sheet actually covers outflow.
Money events
Note upcoming inflows and outflows so a bonus, EMI, or prepayment does not surprise the next snapshot.
Use the calculator above to see the formula. Use CapitalMap when you want that formula saved, charted, and sitting next to your loans and retirement accounts.
FAQ
Frequently asked questions
What is a net worth tracker?
A net worth tracker is a tool that records your assets and liabilities, then shows net worth as what you own minus what you owe. CapitalMap is a net worth tracker for Indian households: investments, gold, property, EPF, PPF, NPS, and loans in one dashboard, with history stored in a Google Sheet you own.
How do I calculate my net worth?
Add the current value of everything you own (assets) and subtract the outstanding principal of everything you owe (liabilities). Net worth = total assets − total liabilities. Use market value for stocks and mutual funds, passbook balances for EPF and PPF, and remaining loan principal — not EMIs.
What should I include in my net worth?
Include stocks, mutual funds, EPF, PPF, NPS, gold, property, bank accounts, cash, and fixed deposits. Include home loans, car loans, personal loans, credit cards, and other debt. Skip household goods you would never sell and cannot value.
How often should I track my net worth?
Monthly is enough for most people. Update after salary credit, SIPs, or a loan prepayment. Daily mutual-fund noise is a distraction; the trend over 12–24 months is the signal.
Where is my financial data stored?
In CapitalMap, your financial records live in a Google Sheet you own in your Drive. CapitalMap is a dashboard on that sheet. If you stop using the app, the spreadsheet remains yours.
Can I track loans and liabilities?
Yes. CapitalMap tracks assets and liabilities together. Home loans, car loans, personal loans, and credit cards sit next to investments so net worth stays honest.
How do I track net worth in India?
Add PPF, EPF, NPS, mutual funds, stocks, gold, and property, then subtract outstanding loans and credit-card debt. Repeat monthly. CapitalMap is built for these Indian asset types and stores the history in your Google Sheet.
Should I include PPF and EPF in net worth?
Yes. They are often a large share of salaried net worth in India. Log the current passbook or EPFO corpus even if you cannot withdraw easily. Illiquid is not the same as worthless.
What net worth features does CapitalMap include?
CapitalMap calculates net worth from assets and liabilities you enter, including Indian lines such as EPF, PPF, NPS, gold, property, and loans. You can store current and invested values, see allocation by type, save monthly snapshots with a trend chart, and keep goals, expenses, and upcoming money events in the same dashboard. Records are written to a Google Spreadsheet Vault you own.
Know where your wealth stands.
Start tracking your net worth with CapitalMap. Assets, liabilities, and history — in a Google Sheet you own.
Start Tracking →