NetWorth Pro FAQ

A1: A private balance sheet for everything you own and owe. You list your bank balances, deposits, funds, shares, retirement accounts, gold, property and vehicles on one side and your loans and cards on the other, and the tool shows your net worth, health checks, your trend over the months and where today's figures lead: a projection, your financial freedom number, debt payoff plans and a net worth goal.

A2: Nothing. It is free, with no registration and no limit. Like every page on ZeroDataUpload, it is supported by advertising.

A3: Anyone who wants one honest number for their finances and to see it move: salaried people with EPF, PPF and SIPs, families with a home loan, freelancers with money in more than one currency, and anyone planning to pay off debt or stop working one day.

A4: No. Open the page in any modern browser (Chrome, Edge, Firefox, Safari or Opera) on a computer, tablet or phone. Your figures are kept in that browser, so there is nothing to sign in to.

A5: No. Every total, chart and plan is worked out by this browser, and nothing you type is sent to a server. The page itself loads the site's ads and analytics, as every page on the site does; the Privacy Policy explains those, and your figures are never part of them.

A6: No. NetWorth Pro is a calculator for reference. The projection, the freedom number and the goal use growth rates you choose, and real returns, prices and interest rates will differ, so every figure is an estimate, not a promise. For decisions about investments, loans, tax or insurance, speak to a registered adviser.

A7: Once the page has loaded, yes: every calculation runs in the browser. Nothing is fetched while you work, not even exchange rates.

A8: Anything with a value you could turn into money: bank and cash, fixed and recurring deposits, mutual funds, shares and ETFs, bonds, retirement accounts (EPF, PPF, NPS, pension), gold and silver, your home and other property, a business, crypto, insurance with a cash value, vehicles, money owed to you and valuables. Each kind has a starting growth rate and a guess at how quickly it could be used, which you can change.

A9: What it would sell for today, not what you paid. For a home, recent sale prices of similar homes nearby are a good guide; for gold, today's rate times the weight; for a car, a used-car price for its age. Rough figures are fine, and updating them once or twice a year is enough.

A10: Add a debt, choose its kind (home, vehicle, education, personal, gold or business loan, credit cards, money owed to family, taxes and bills, other) and type the amount still owed. Add the interest rate and the monthly payment (EMI) from your statement: the window then says when the loan will be paid off and the interest on the way, and the plans can include it.

A11: As a debt of the kind Credit cards, with the balance you owe. If you pay the full bill every month, the balance is just this month's spending; if you carry a balance, add the card's rate (3% a month is about 36% a year) and what you pay each month, so the health checks and the debt payoff plan can count it.

A12: How quickly you could use the money. Bank balances, funds and shares are usually available now; deposits, bonds and gold within a few months; retirement accounts, property, a business and vehicles are hard to sell quickly. The overview shows the split, and one health check looks at how much is available now. Change it in an item's details if yours differs, for example a deposit that can be broken at once.

A13: Whether the item is money you could live off later. Investments, deposits, retirement accounts and property you do not live in count by default; your own home, vehicles, money owed to you and valuables do not. Only counted items are compared with your financial freedom number.

A14: Your net worth with your home, your vehicles and the loans on them left out. A home and a car are hard to spend, so this number shows the wealth that is actually working for you.

A15: Yes. Under Settings, Household, add the people whose money is on the sheet. Each item can then belong to one of them or be joint, the balance sheet can show one person's items at a time, and the overview gives each person's net worth with joint items on their own line.

A16: The way you say them: 12.5L, 12.5 lakh or 12,50,000; 1.2 cr or 1.2 crore; 50k, 2.5m or 1.1bn. Capitals and spaces do not matter, and a currency sign or code in front (such as Rs, a rupee sign, $ or USD) is ignored.

A17: Yes. Type a sum such as 45000 + 12000 - 3000 or 2 * (10k + 5k), and the box works it out; the line under the box shows the result before you save.

A18: The text has something the tool cannot turn into a number, such as two numbers without a sign between them (2 lakh 50k: type 2.5 lakh or 2 lakh + 50k), a word it does not know, or a bracket left open. Amounts are positive; a debt goes on the owe side.

A19: Rupees are grouped in lakh and crore (1,42,35,000) and other currencies in thousands and millions (14,235,000); Settings can use one style for every currency. Totals and charts are shortened (1.42 Cr or 1.42M) unless you choose full amounts; the balance sheet always shows them in full.

A20: Whether you own more than you owe; debt as a share of what you own (under 30% good, up to 50% fair); how many months of spending your bank balances and deposits cover (6 or more good, 3 or more fair); debt costing 15% a year or more; loan payments as a share of income (up to 30% good, up to 40% fair); how much of your income you invest (20% or more good, 10% or more fair); how much of what you own is available now (15% or more good, 5% or more fair); one item being more than half of what you own; and values not updated in three months.

A21: They are common rules of thumb used by financial planners, not laws or guarantees: three to six months of spending as an emergency fund, loan payments under 30 to 40% of take-home pay, investing about a fifth of income, and so on. They are a quick way to see where to look first.

A22: They need a figure you have not given yet, such as your monthly spending or income. Add them under Plan, About you, and the checks fill in.

A23: A record of today's totals and of every item's value, in your main currency. Record one each month, by Record snapshot or by saving Update values with its box ticked, and History draws your trend from them. Recording again on the same day replaces that day's snapshot.

A24: Once a month is enough, around the same date. When you have items but no snapshot for the month, the page reminds you; Not now hides the reminder until next month.

A25: Yes. Add a past month takes a date and the totals of everything you owned and owed then, from old statements or a spreadsheet. Such months hold totals only, so What changed cannot list items for them.

A26: Pick any two snapshots and see how your net worth, what you own and what you owe moved between them, and which items moved it most, each with its effect on your net worth. A debt that shrinks counts as a gain.

A27: Yes, with the bin button in the All snapshots table. A message lets you undo it for a few seconds.

A28: Month by month, item by item: each thing you own grows at its yearly rate (worked out as a monthly rate) and gets its monthly addition, money you invest beyond what is already set on items goes into a new pot at the return you choose, and each loan is charged a twelfth of its yearly rate and paid down by its monthly payment. When a loan is paid off, its payment can be invested instead. The shaded range shows returns two points lower and higher.

A29: Future money is the amount as it will be written then. Today's money takes inflation out, so a figure in 2045 reads as what it would buy today. Choose under Show amounts in; the inflation rate is yours to set.

A30: Each kind of item starts with a rough guess, for example 11% a year for mutual funds and shares, 7% for deposits, 8% for retirement accounts and gold, 5% for your home and minus 12% for vehicles. They are guesses to plan with, not promises: change them for a whole kind under Growth rates used, or for one item in its details.

A31: Your monthly spending times 12, divided by the safe withdrawal rate: at 4% a year that is 25 times a year of spending, in today's money. Only items that count toward freedom are compared with it, and the date comes from the projection after inflation. Many planners use 3 to 3.5% for retirements longer than 30 years, which makes the number larger.

A32: The amount which, invested today and left alone, would grow to your freedom number by the age you plan to stop working, at your investments' growth rate after inflation. Once you have it, further investing only brings the date forward. Add your age to see it.

A33: Both pay every minimum and put any extra on one debt at a time, moving each cleared payment to the next. Highest interest first (the avalanche) usually costs the least interest; smallest balance first (the snowball) clears whole debts sooner. Debt payoff shows both next to paying each loan as scheduled, with the month each debt is cleared, the interest and what each saves.

A34: Choose an amount and a month. The tool projects your net worth to that month, says whether you are on track, and if not, how much more a month invested at your return on new investing would close the gap, or when you would reach the goal without changes. It also shows the growth a year you would need if you added nothing.

A35: Two places. The rule of thumb from The Millionaire Next Door by Thomas Stanley and William Danko: expected net worth is your age times your yearly income, divided by ten; twice that or more makes a prodigious accumulator of wealth, half or less an under accumulator. The tool uses your take-home pay, while the book uses income before tax and leaves out inheritances, so the real bar is a little higher. And the median net worth of US families by age from the US Federal Reserve's Survey of Consumer Finances 2025, published in October 2026, compared at your exchange rate. Both are rough yardsticks.

A36: Fifteen: Indian rupee, US dollar, euro, British pound, UAE dirham, Saudi riyal, Singapore, Canadian, Australian, New Zealand and Hong Kong dollars, Japanese yen, Swiss franc, Chinese yuan and South African rand. Each item keeps its own; totals, charts and plans use your main currency.

A37: They start at the European Central Bank's reference rates of 6 November 2026 (the dirham and the riyal are fixed to the dollar). Rates move every day and the tool fetches nothing from the internet, so type today's rate from your bank under Settings, Exchange rates, for accurate totals. A rate appears there only for currencies your items use.

A38: Totals, charts and plans switch to it, and the amounts under About you and in your plans (income, spending, investing, the goal, the extra debt payment) are converted at your rates. Each item keeps its own currency.

A39: In this browser's storage on this device, so they are there next time you open the page in the same browser. Nothing is kept on a server. Clearing the browser's data, or a private window, removes them, so export a backup now and then.

A40: Settings, Your data, Export backup saves a file with all your items, snapshots, plans and people. On the other device, open NetWorth Pro and choose Restore a backup; the file replaces everything there after you confirm. A backup from the earlier version of this tool can be restored too.

A41: Yes. Items as a spreadsheet saves every item with its kind, owner, value, currency, value in your main currency, rate, monthly amount, note and date; History as a spreadsheet saves every snapshot's totals. Both open in Excel, Google Sheets or LibreOffice.

A42: Settings, Your data, Print a statement prints a one-page personal balance sheet: what you own and owe by kind, your net worth, net worth without home and vehicles, what is available now, debt to assets and monthly loan payments. The browser's own Print command prints the same page.

A43: Settings, Your data, Delete everything removes every item, snapshot, plan and person that NetWorth Pro keeps in this browser, after you confirm. The rest of the site is not touched. This cannot be undone, so export a backup first if you might need it.

A44: It blurs every amount on the page, in the toolbar, the charts and their pop-ups, for when someone is looking over your shoulder; press it again or press H to show them. Under Settings you can have amounts blurred every time the page opens.