Net worth is calculated as the total value of all your assets (savings, investments, property, etc.) minus any liabilities (debts, loans, mortgages). This calculator focuses on asset growth projections and does not account for liabilities.

For Indian investors, historical average returns for equity investments have been around 12-14% annually. A balanced portfolio might yield 8-10%, while conservative investments like fixed deposits typically return 6-7%. Remember that past performance doesn’t guarantee future results.

Inflation in India has historically been higher than in developed countries, averaging around 5-7% annually. By accounting for inflation, you see the “real” value of your future net worth in today’s rupees, giving you a more accurate picture of your financial growth.

To improve net worth growth: 1) Increase your savings rate, 2) Invest in assets with higher returns (like equities), 3) Reduce unnecessary expenses, 4) Avoid high-interest debt, and 5) Regularly review and adjust your investment strategy.

Popular investment options in India include: Equity mutual funds, Public Provident Fund (PPF), National Pension System (NPS), Real Estate, Gold, and Fixed Deposits. The best option depends on your risk tolerance, investment horizon, and financial goals.