Net Worth & Portfolio Rebalancing Calculator

Richlify's net worth calculator starts where every net worth tool starts — add up everything you own, subtract everything you owe — but that's the easy part. What most tools skip is what happens next: is your current mix of assets actually the one you want, and does it matter?

Each asset you enter gets tagged to one of eleven types — cash, equities, real estate, commodities, retirement accounts and so on — and you set a target percentage for each. The dashboard then shows exactly where you're overweight, underweight or on target, comparing your actual holdings' current value against that target.

The projection goes further than a single line. Richlify runs two twenty-year scenarios side by side: one compounds your money exactly as it sits today, at each asset's own growth rate. The other resets your starting point to your target percentages first, then compounds forward the same way. The gap between the two lines is the real, quantified cost — or benefit — of actually rebalancing, not just talking about it.

Take a portfolio worth ₹9.23 crore — a home, equity holdings, gold, some crypto — with ₹45 lakh still owed on the home, for a net worth of ₹8.78 crore. The current mix is heavy on real estate (48.8% of assets, against a 20% target) and commodities (21.7% against 10%), and light on equities (23.2% against a 35% target) — a common pattern for anyone who bought property early and never got around to rebalancing. Left exactly as it sits, that portfolio compounds to about ₹68.4 crore in twenty years. Rebalanced to the target mix — same total money, same day, just redistributed — the same twenty years reaches about ₹73.35 crore. Roughly ₹4.95 crore of that gap comes purely from which assets are holding the money, not from adding a single extra rupee.

Growth rates are asset-specific, not one blended number for your whole portfolio — real estate, equities, gold and crypto all compound at different assumed rates, pulled from a reference table you can override per holding. A Return Scenario toggle — Conservative, Moderate, Aggressive — scales every rate at once if you want to stress-test the whole projection.

If you're actively adding to or drawing from specific accounts, you can model that too — a monthly contribution or withdrawal per asset, not a single blanket number for the whole portfolio. The withdrawal side has two guardrails most tools skip: you can't withdraw more than an account is actually worth, and the projection floors at zero instead of showing an account go impossibly negative if a withdrawal outpaces growth.