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Net worth, loans, and Indian household money
Lived notes and short guides for tracking wealth in India — loans included — without treating CapitalMap as a bank or advisor.
The loan burden felt heavier than the EMI. Listing it finally helped.
A personal account of loan stress in India: mixing EMIs in your head, tracking outstanding principal, and using a household debt register so the numbers stop following you to bed.
How to calculate net worth in India
A practical formula for Indian households: add PPF, EPF, NPS, mutual funds, gold, and property, then subtract home loans and other debt.
PPF, EPF, NPS, and gold in a net worth tracker
How to log Indian retirement accounts and gold so your net worth tracker reflects a real household balance sheet.
Google Sheets net worth tracker vs finance apps in India
Compare a Google Sheet you own with Account Aggregator apps: privacy, Indian assets, automation, and when each approach fits.
Track a home loan next to your assets
How to register home-loan principal, property value, and other assets so net worth shows equity instead of a scary EMI.