Most people know their salary and roughly what is in their bank account. Far fewer know their net worth, their savings rate or how many months their savings would last without income. The Wealth Lab brings those numbers together in about ten minutes and turns them into a one-page Wealth Map.
Before you start
Have a rough idea of your monthly take-home income and spending, what you own (bank balances, investments, gold, property, retirement accounts) and what you owe. Estimates are fine for a first pass — you can refine them later. The Wealth Lab never asks for passwords, OTPs or account numbers.
Step 1: About you
Enter your age, marital status, number of dependants and the age at which you would like to retire. These set the time horizons the map uses — for example, how many working years remain to build a retirement corpus.
Step 2: Cash flow
Enter monthly income, monthly expenses, monthly EMIs and the amount you already save or invest regularly. From these the Wealth Lab works out your monthly surplus and your savings rate — the share of income you keep. Include irregular costs, such as annual insurance premiums or school fees, by spreading them across twelve months.
Step 3: Assets
Enter what you own by type: bank balances, mutual funds, shares, fixed deposits, bonds, gold, real estate, retirement assets such as provident fund or NPS, and anything else. Use current values, not what you paid. These feed your net worth and asset allocation.
Step 4: Liabilities
Enter outstanding balances on a home loan, vehicle loan, personal loan, credit cards and any other debt. Together with your EMIs, this produces your debt-to-income picture — how much of your income is already committed to repayments.
Step 5: Protection
Enter your life cover, your health cover and the amount you hold as an emergency fund. The map compares these with your income, dependants and expenses to show protection observations, and works out roughly how many months of outgoings your emergency fund would cover.
Step 6: Goals
Add the goals you are working towards, each with a name, today's cost, a target year and the amount already set aside. The map estimates each goal's inflation-adjusted cost and shows how far along you are. Our goal planning guide explains how to price goals well.
Step 7: Read your Wealth Map
The Wealth Map brings everything onto one page:
| Measure | What it tells you |
|---|---|
| Net worth | What you own minus what you owe |
| Monthly surplus | Income left after expenses, EMIs and existing savings |
| Savings rate | The share of income you save or invest |
| Debt-to-income | The share of income committed to EMIs |
| Emergency months | How long liquid savings could cover monthly outgoings |
| Asset allocation | How your assets split across classes |
| Goal funding | Progress towards each goal in future rupees |
| Protection | Observations on life and health cover relative to your situation |
| Retirement projection | An illustration of where current savings could lead, on stated assumptions |
You will also see indicator bars for cash flow, emergency readiness, protection, goal preparedness and diversification. Each has a short methodology note explaining how it is calculated. They are designed to show where to look first — not to grade you, and not to replace any official credit or risk assessment.
Step 8: Save it, and decide what to look at next
Saving your Wealth Map lets you return to it, update it and compare it over time; it needs an account or a verified contact. Then use the map to choose a next step:
- Low emergency months? Start with the emergency fund planner.
- Protection gaps? Estimate cover with the Insurance Cover Calculator.
- Allocation looks lopsided? Look inside your funds with the Portfolio X-Ray.
- Goals underfunded? Build plans in Goal Studio.
- Want to talk it through? Book a consultation and bring the map with you.
Tips for an accurate map
- Be honest about spending; most people underestimate it. A month of bank statements is a useful check.
- Include everything you own and owe, even small loans or old investments.
- Update it once a year — our annual review guide builds this in — and after major life events.