{% extends "base.html" %}
{% from "_notes.html" import fine_print %}
{% block title %}{{ page_title }}{% endblock %}
{% block main_class %}wide{% endblock %}
{% block content %}

{% if user %}
<nav class="crumbs" aria-label="Breadcrumb">
  <a href="/">Dashboard</a><span class="crumb-sep">/</span>
  <span class="crumb-current">Net worth calculator</span>
</nav>
{% endif %}

<section class="card stand-intro">
  <h1>Net worth calculator</h1>
  <p class="muted">
    Your net worth is <strong>everything you own minus everything you owe</strong>. Fill in
    what applies below — every category that matters in India is here, including the ones
    people forget, like EPF and jewellery.
    {% if not user %}It's worked out in your browser: nothing you type is sent anywhere,
    including to us.{% endif %}
  </p>
</section>

<!-- The calculator itself. Server-rendered rows, so the category list is readable
     with JavaScript off; only the arithmetic needs a browser. -->
<section class="calc-wrap">
  <div class="dash-card calc-col">
    <h2>What you own</h2>
    <div class="calc-rows">
      {% for r in asset_rows %}
      <label class="calc-row">
        <span class="calc-name">{{ r.title }}<em>{{ r.hint }}</em></span>
        <span class="calc-box">
          <span class="calc-rs">₹</span>
          <input class="calc-in" data-side="asset" type="text" inputmode="decimal"
                 autocomplete="off" placeholder="0" aria-label="{{ r.title }}">
        </span>
      </label>
      {% endfor %}
    </div>
    <div class="calc-subtotal">Total assets <b class="num" id="calc-assets">₹0</b></div>
  </div>

  <div class="dash-card calc-col">
    <h2>What you owe</h2>
    <div class="calc-rows">
      {% for r in liability_rows %}
      <label class="calc-row">
        <span class="calc-name">{{ r.title }}<em>{{ r.hint }}</em></span>
        <span class="calc-box">
          <span class="calc-rs">₹</span>
          <input class="calc-in" data-side="liability" type="text" inputmode="decimal"
                 autocomplete="off" placeholder="0" aria-label="{{ r.title }}">
        </span>
      </label>
      {% endfor %}
    </div>
    <div class="calc-subtotal">Total liabilities <b class="num" id="calc-liabilities">₹0</b></div>
  </div>
</section>

<section class="dash-card calc-result" id="calc-result">
  <span class="eyebrow">Your net worth</span>
  <div class="hero-nw num" id="calc-net">₹0</div>
  <p class="hero-note" id="calc-note">Assets minus liabilities. Fill in anything above to start.</p>
  <p class="calc-next" id="calc-next" hidden>
    <a href="/how-rich-am-i" id="calc-rank-link">See where this ranks you →</a>
  </p>
</section>

<!-- Reference content. This is the part a crawler reads, and the part that's
     worth reading: the formula is trivial, getting the inputs right isn't. -->
<section class="dash-card calc-doc">
  <h2>The net worth formula</h2>
  <p class="calc-formula num">Net worth = Assets − Liabilities</p>
  <p>
    That's the whole of it. Every disagreement about someone's net worth is a disagreement
    about what goes on each side and what it's worth today — never about the arithmetic.
  </p>

  <h3>What counts as an asset</h3>
  <ul class="calc-list">
    {% for r in asset_rows %}<li><strong>{{ r.title }}</strong> — {{ r.hint|lower }}</li>{% endfor %}
  </ul>

  <h3>What counts as a liability</h3>
  <ul class="calc-list">
    {% for r in liability_rows %}<li><strong>{{ r.title }}</strong> — {{ r.hint|lower }}</li>{% endfor %}
  </ul>

  <h3>Four things that make the number wrong</h3>
  <ol class="calc-mistakes">
    <li>
      <strong>Subtracting the same loan twice.</strong> Entering a flat at "value minus the
      home loan" and then listing the home loan again is the most common error, and it can
      knock tens of lakhs off a real net worth. Count the property gross; subtract the loan
      once, on the other side.
    </li>
    <li>
      <strong>Using what you paid instead of what it's worth.</strong> Purchase price is
      history. Property, gold and equity all count at today's value — that's the entire
      point of the number.
    </li>
    <li>
      <strong>Counting the EMI as the debt.</strong> What you owe is the
      <em>outstanding balance</em>, not the monthly instalment and not the amount you
      originally borrowed.
    </li>
    <li>
      <strong>Leaving out EPF, PPF and jewellery.</strong> Illiquid isn't the same as not
      owned. For most salaried people in India the retirement balances alone are a large
      share of the total, and they're the most commonly forgotten line.
    </li>
  </ol>

  <h3>A worked example</h3>
  <div class="stand-table-wrap">
    <table class="stand-table">
      <tbody>
        <tr><td>Flat in Pune (market value today)</td><td class="num">₹1,10,00,000</td></tr>
        <tr><td>Mutual funds and Indian equity</td><td class="num">₹42,00,000</td></tr>
        <tr><td>EPF and PPF</td><td class="num">₹28,00,000</td></tr>
        <tr><td>Bank balance and FDs</td><td class="num">₹9,00,000</td></tr>
        <tr><td>Jewellery at today's gold rate</td><td class="num">₹6,00,000</td></tr>
        <tr class="calc-rule"><td><strong>Assets</strong></td><td class="num"><strong>₹1,95,00,000</strong></td></tr>
        <tr><td>Home loan outstanding</td><td class="num">−₹37,00,000</td></tr>
        <tr><td>Credit card outstanding</td><td class="num">−₹80,000</td></tr>
        <tr class="calc-rule"><td><strong>Liabilities</strong></td><td class="num"><strong>−₹37,80,000</strong></td></tr>
        <tr class="calc-total"><td><strong>Net worth</strong></td><td class="num"><strong>₹1,57,20,000</strong></td></tr>
      </tbody>
    </table>
  </div>
  <p class="muted stand-note">
    Note the flat is counted at ₹1.10 crore and the loan subtracted separately — not
    ₹73 lakh "net of the loan" with the loan also listed below.
  </p>
</section>

<section class="dash-card calc-doc" id="faq">
  <h2>Common questions</h2>
  <dl class="calc-faq">
    {% for item in faq %}
    <dt>{{ item.q }}</dt>
    <dd>{{ item.a }}</dd>
    {% endfor %}
  </dl>
</section>

{% if not user %}
<section class="dash-card stand-cta">
  <h2>Work it out once. Then stop working it out.</h2>
  <p class="muted">
    A calculator gives you today's number. Networthy HQ keeps it current — import an NSDL
    CAS and your demat and mutual-fund holdings price themselves live; add property, gold,
    PPF and loans once and watch the line move.
  </p>
  <p>
    <a href="/login" class="btn btn-lg">Get started — it's free</a>
    <a href="/demo" class="btn btn-outline btn-lg">Explore the live demo</a>
  </p>
</section>
{% endif %}

<p class="muted stand-note">
  Also useful: <a href="/how-much-house-can-i-afford">how much house you can afford</a>, the <a href="/net-worth-tracker-excel">free tracker spreadsheet</a> if
  you'd rather keep it in Excel, <a href="/how-rich-am-i">where your net worth ranks</a> among adults in
  India and the world, <a href="/how-much-do-i-need-to-retire">how much you need to
  retire</a>, and <a href="/how-do-i-get-to-10-crore">the return your target needs</a>.
</p>

{{ fine_print("Values you enter are your own estimates — property and unlisted holdings
in particular are worth what someone will pay, not what a calculator says.") }}

<script src="/static/calculator.js?v={{ version }}"></script>
<script>initCalculator();</script>
{% endblock %}