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Budget Deficit Calculator

Calculate your monthly budget deficit or surplus. Category-wise breakdown, 50-30-20 compliance check, 10-year wealth impact, and actionable fix recommendations — all in one place.

check_circle 50-30-20 Analysis pie_chart Spending Breakdown trending_up 10-Year Impact
account_balance_wallet Budget Deficit Calculator
A. Monthly Income
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Freelance, spouse, rental
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Annual bonus ÷ 12, quarterly incentives ÷ 3
B. Fixed Expenses (Needs)
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₹
Annual premium ÷ 12
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School fees, tuition, coaching
C. Variable Necessities (Needs)
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₹
Check Zomato/Swiggy order history
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Fuel, Ola/Uber, metro, parking
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Electricity, internet, mobile, gas
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Doctor visits, medicines, lab tests (monthly avg)
D. Discretionary Spending (Wants)
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Netflix, Prime, gym, LinkedIn, cloud…
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Clothes, Amazon, electronics
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Movies, events, weekend outings
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Salon, grooming, wellness
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Annual holiday budget ÷ 12
E. Savings & Other
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Active voluntary investments only
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Salary ₹85,000 — Month End: Zero. Kahan Gaya?

Ye question lakhs of Indians poochhhte hain every month. Paisa aata hai, paisa jaata hai — aur track nahi hota kahan.

Kuch expenses obvious hain: Rent ₹18,000. Car loan EMI ₹12,000. Groceries ₹8,000. Ek dum clear.

Lekin phir Netflix ₹649, Prime ₹299, Hotstar ₹299, Spotify ₹119, gym ₹1,200, Zomato Gold ₹149, LinkedIn Premium ₹1,600 — ye ₹4,315 "invisible" hai monthly.

Plus Zomato orders — weekday lunches ₹250 × 20 = ₹5,000. Weekend dinners × 4 = ₹2,400. Impulse Amazon purchases ₹4,000. Petrol ₹3,500. Sab add karo — ₹85,000 ki salary deficit mein ja sakti hai.

Budget deficit itna subtle hai ki zyada tar log realize hi nahi karte jab tak credit card bill ya personal loan statement nahi aata.

faydemand.in ka Budget Deficit Calculator exactly ye visibility deta hai. Category-wise expenses enter karo — calculator instantly dikhata hai:

  • Total income vs total expenses — exact deficit ya surplus
  • Expense breakdown chart — Needs, Wants, Savings ka proportion
  • 50-30-20 rule compliance — kahan overspending hai clearly visible
  • Subscription total — hidden monthly drains aggregated
  • Annual & 10-year wealth impact — ₹3,000/month deficit = ₹7.4 lakh lost wealth in 10 years

Chalo apna budget audit karte hain! 💰

What Is Budget Deficit Calculator?

Budget Deficit Calculator ek online personal finance tool hai jo tumhara complete monthly cash flow analyze karta hai — income vs expenses — aur exact deficit ya surplus amount nikalta hai, category-wise breakdown ke saath, 50-30-20 compliance analysis ke saath, aur specific improvement recommendations ke saath.

Budget Deficit vs Budget Surplus

Parameter Deficit Surplus
ConditionExpenses > IncomeIncome > Expenses
Monthly impactSavings depleting or debt accumulatingSavings & investment possible
SignalFinancial emergency — immediate actionHealthy — optimize allocation

50-30-20 Rule — The Target Framework

Bucket Target What's Included
Needs≤ 50%Rent/EMI, groceries, utilities, insurance, education, transport, healthcare
Wants≤ 30%Dining out, entertainment, shopping, subscriptions, travel, personal care
Savings≥ 20%SIP, PPF, emergency fund, debt prepayment — priority allocation

India reality check: EMIs alone often consume 35-45% of income — leaving zero room for savings. faydemand.in calculator automatically maps your expenses to these buckets and shows where you stand. 🎯

Formula & How It Works

Core Budget Formula

Monthly Deficit = Total Expenses − Total Income
Surplus Rate = (Income − Expenses) ÷ Income × 100

Needs % = (Housing + EMIs + Insurance + Education + Groceries + Transport + Utilities + Healthcare) ÷ Income
Wants % = (Dining + Subscriptions + Shopping + Entertainment + Personal Care + Travel) ÷ Income
Savings % = Investments ÷ Income

Savings Rate Benchmarks

Surplus RateRatingAction Needed
Below 0%DeficitEmergency — fix immediately
0–10%PoorCritical improvement needed
10–20%AcceptableRoom for improvement
20–30%GoodOn track for financial goals
Above 30%ExcellentAggressive wealth creation possible

10-Year Wealth Impact Table

Monthly Saving Annual Saving 10-Year Value (12% CAGR)
₹1,000₹12,000₹2,07,000
₹2,000₹24,000₹4,14,000
₹5,000₹60,000₹10,35,000
₹10,000₹1,20,000₹20,70,000
₹20,000₹2,40,000₹41,40,000

Worked Examples

Example 1: Young Professional — Hidden Deficit Discovery

Arjun Mehta, 26, Software Engineer, Bengaluru. Net Monthly Income: ₹72,000.

After honest bank statement review: Groceries ₹6,000, food delivery ₹7,200 (₹240/day × 30 reality check), transport ₹5,500, utilities ₹3,200, subscriptions ₹4,315 (Netflix, Prime, Hotstar, Spotify, Gym, LinkedIn Premium), shopping ₹6,500, entertainment ₹4,000, personal care ₹2,500, travel ₹3,000, rent ₹18,000, health insurance ₹1,500, savings ₹5,000.

Total: ₹66,715. Surplus ₹5,285 — but Arjun feels no money left.

faydemand.in insight: ₹5,285 theoretical surplus consumed by cash expenses and untracked credit card purchases. Honest tracking revealed real deficit: ₹6,785/month.

Calculator recommendations: Cancel LinkedIn Premium ₹1,600 + Hotstar ₹299 + Spotify ₹119 = ₹2,018. Reduce food delivery from ₹7,200 to ₹3,500 = ₹3,700. Set ₹3,000 shopping cap = ₹3,500 saving. Total fix ₹9,218 → Converts deficit to ₹2,433 surplus. Annual wealth impact: ₹27,996.

Example 2: Family — EMI Overload Crisis

Priya and Vikash Sharma, Pune. Combined Net Income: ₹1,35,000.

Fixed: Home loan ₹38,000 + car loan ₹12,500 + personal loan (vacation) ₹8,000 + consumer durable ₹4,200 + school fees ₹9,000 + insurance ₹5,500 = ₹77,200 (57.2% of income).

Variable + discretionary: ₹47,700. Savings: ₹4,000. Total: ₹1,28,900. Surplus: ₹6,100.

faydemand.in 50-30-20 analysis: Needs 76.1% (target 50%) — CRITICAL OVERAGE. EMIs alone = ₹62,700 = 46.4% of income.

Action plan: Prepay personal loan ₹8,000 EMI using bonus. After payoff → redirect to consumer durable. 6-month projection: EMI load reduces → ₹13,600 freed → SIP from ₹4,000 to ₹12,000. Savings rate from 2.96% to 8.9% — meaningful improvement started.

Example 3: High Earner — Zero Net Worth Shock

Kavya Nair, 42, Director, Mumbai. Net Monthly Income: ₹2,50,000. Net worth after 15 years: barely ₹15 lakh.

Total monthly expenses: ₹2,66,000 (premium apartment ₹85K, club membership ₹12K, domestic help ₹32K, international school ₹42K, premium car ₹28K, holidays monthly avg ₹22K, fine dining ₹18K, branded shopping ₹22K, subscriptions ₹6.5K, others).

Monthly deficit: ₹16,000. Annual: ₹1,92,000. 10-year wealth destruction: ₹3.3 crore (deficit + missed ₹50K/month SIP opportunity).

Action: Reduce holidays to ₹10K (₹12K saving), branded shopping to ₹8K (₹14K saving). Immediate: ₹10K surplus. SIP jump to ₹24K/month. Lifestyle inflation had consumed every raise over 15 years.

7 Pro Tips for Budget Deficit Fix

Bank Statement Se Data Lo — Memory Pe Nahi

Kitna kharch hota hai? Memory reliable nahi hoti. Bank statement, UPI history (PhonePe, GPay), credit card statement — teen sources check karo. Last 3 months average lo. Shock guaranteed — actual spending consistently higher than estimated. faydemand.in mein actual numbers daalo — comfortable estimates nahi. Honest inputs → honest output → real solutions.

Subscriptions Audit — Ek Ek Karke List Karo

Netflix? Haan. Prime? Haan. Hotstar? "Kab liya tha?" LinkedIn Premium? "Oh, auto-renewed." Gym? "Ja nahi raha but pay kar raha hun." List karo every subscription with amount. Then ask: "Have I used this in last 30 days?" No → Cancel immediately. ₹2,000-4,000/month typically freed up. Annually ₹24,000-48,000 saved with zero lifestyle sacrifice.

Food Delivery Ka Sach — App History Check Karo

Zomato app → Your Orders → Last 30 days total. Reality often: ₹6,000-12,000 for urban professionals. This single category often biggest discretionary drain — and most cuttable. Target: Maximum ₹3,000/month food delivery. Cook more, order less. ₹3,000-9,000/month saving potential from this one change alone.

Automate Savings — Pay Yourself First

Budget deficit reverse karo psychologically: Salary credit hone ke pehle day par SIP auto-debit set karo. EPF already forced — SIP bhi force karo. "Pay yourself first" principle: Savings goal set karo (20% minimum), automate on salary day, live on remaining. Waiting for leftover to invest = leftover never comes. This is the single highest-impact habit change in personal finance.

Annual Expenses Ko Monthly Mein Convert Karo

Holiday ₹60,000/year, property tax ₹12,000, car insurance ₹18,000, home insurance ₹5,000 = ₹95,000 annual expenses. Monthly equivalent: ₹7,917. Agar budget mein nahi daala toh har saal "surprise" credit card hit. faydemand.in mein travel & other field mein annual expenses ÷ 12 daalo. True monthly budget annual lumps include karke hi accurate hoti hai.

Deficit Ka 10-Year Impact Dekho — Motivation Milega

₹3,000 deficit chhota lagta hai. But ₹3,000/month × 207 (10-yr factor at 12%) = ₹6.21 lakh. Small monthly deficit ka large long-term wealth destruction faydemand.in clearly dikhata hai. Motivation to fix even small deficits becomes compelling when future wealth loss is shown in absolute rupees. Abstract future → concrete present value.

Monthly Review Habit Banao — 15 Minutes Saves Lakhs

Budget ek baar banao aur bhool jaao — ye kaam nahi karta. Monthly review mandatory hai: Kya actual spend budget ke andar raha? Kahan overspend hua? Next month adjustment kya? 15 minute mahine mein ek baar — faydemand.in mein updated numbers daalo. Consistent tracking over 3-6 months = dramatically better financial behavior. Awareness loop: Track → Aware → Correct → Track again. 💪

5 Key Benefits

Exact Deficit Visibility — Guess Se Data Pe Shift "Lagta hai ₹10,000-15,000 save ho raha hai" vs "Calculator ne bataya: ₹8,400 monthly deficit." Gut feeling unreliable hoti hai. faydemand.in exact number deta hai — red ya green — unambiguous. Studies show: Mere tracking karne se spending 10-15% naturally reduces. Awareness is the most powerful financial tool.
Category-Level Granularity — Kahan Fix Karna Hai "Sab kuch zyada kharch ho raha hai" — generic problem, no solution. "Food delivery ₹8,200 = 11.4% of income, subscriptions ₹4,315 = 6%" — specific problems, specific solutions. faydemand.in category-level breakdown deta hai — prioritized by impact. Highest-impact, most-cuttable categories first action pe aate hain.
50-30-20 Benchmark — Healthy Budget Ka Mirror "Am I spending normally?" — ye answer karna mushkil hai bina benchmark ke. faydemand.in 50-30-20 rule pe spending map karta hai — instantly dikhata hai: Needs mein 70% (target 50%), wants mein 25%, savings mein 5%. EMI overload immediately visible. Benchmark comparison pattern recognition enable karta hai.
Long-Term Impact Quantification — Small Changes = Big Money ₹2,000/month subscription cancel = ₹24,000/year = ₹4,14,000 in 10 years at 12% invested. Calculator ye math karta hai automatically — "small" savings ke large future value visible hota hai. Every subscription cut = specific rupees in future account. This motivation is irreplaceable.
Action Plan Generation — Not Just Diagnosis Zyada tar financial tools sirf problem dikhate hain — solution nahi. faydemand.in Budget Deficit Calculator diagnosis + direction deta hai. Biggest problem bucket clearly identified — Needs overload? EMI restructuring. Wants overload? Subscription + food delivery cut. Savings deficit? Automate SIP. Specific, actionable, quantified. 💰

5 Common Mistakes to Avoid

Comfortable Numbers Daalna — Actual Nahi

"Groceries pe ₹6,000 jaata hai" — but actually ₹10,000 jaata hai. "Dining out ₹3,000" — but Zomato history ₹8,500 dikhata hai. Comfortable estimate daalo → fake surplus dikh tha → same behavior continues → same deficit. Bank statement check karo — last 3 months average lo — honest numbers daalo. Uncomfortable truth always better than comfortable lie in financial planning.

EPF/PF Ko Savings Mein Count Karna — Double Counting

"Main ₹15,000 save karta hun — PF plus SIP." Lekin PF toh salary se pehle hi cut hota hai — net take-home mein already not included. Agar net take-home enter kiya (post-PF) aur phir PF ko savings mein bhi count kiya — double counting ho gayi. Rule: Agar income NET take-home enter ki hai — PF alag se mat daalo. Sirf additional voluntary savings (SIP, PPF, RD) savings section mein daalo.

Annual Expenses Miss Karna

January to November budget balanced — December mein ₹45,000 car insurance + ₹15,000 property tax + ₹60,000 vacation = ₹1,20,000 unexplained hole. Annual expenses monthly mein not accounted = budget "works" 11 months, breaks Month 12. faydemand.in mein travel field mein annual vacation ÷ 12 daalo, insurance ke liye annual premium ÷ 12 enter karo. True baseline budget annual lumps include karke hi accurate hoti hai.

Budget Banao Aur Bhool Jaao

"Budget bana liya faydemand.in pe — done." Budget ek snapshot hai — living document nahi bana toh value zero. Monthly review mandatory: Enter actuals, compare with budget, see drift, correct. First 3 months hardest — phir habit ban jaata hai. Ek family jo monthly review karte hain 6 months consistently — average 15-20% expense reduction naturally hoti hai awareness ki wajah se. Tool ki value monthly use mein hai, one-time use mein nahi.

Deficit Ko Normal Maan Lena

"Sab ka aisa hi hota hai — mahine end mein paisa khatam." Normalization dangerous hai. Credit card revolving, personal loan for daily expenses, family se borrow karna — ye sab chronic deficit ke symptoms hain. Not normal, not okay. Monthly deficit = future financial crisis in slow motion. faydemand.in calculator 10-year impact dikhata hai — ₹5,000/month deficit = ₹10.35 lakh wealth destruction. Normalize karo nahi — diagnose karo aur fix karo. 📋

5 Real-World Use Cases

Fresh Joiner — First Budget Wake-Up Call Neha Sharma, 23, Hyderabad, first job ₹45,000 net. Parents ko ₹10,000 bhejti hai. End of Month 3 — credit card bill ₹18,000 unexpected. faydemand.in budget audit: Total expenses ₹44,300 = deficit ₹1,700. Calculator recommendation: Food delivery ₹3,500 save + 3 subscriptions ₹1,800 cancel. Deficit → ₹3,600 surplus. ₹3,000 SIP started. "Pehli salary pe budget banana chahiye tha — Month 3 mein seekha."
Family Debt Trap Diagnosis Arjun and Priya, Bengaluru. Combined income ₹1,80,000. Always borrowing from parents end of month. faydemand.in audit: EMIs ₹74,500 = 41.4% of income. Total fixed ₹92,500 = 51.4%. Remaining ₹87,500 for everything but spent ₹95,000 consistently → ₹7,500/month deficit. Action: Prepay personal loan (18% rate). 6 months later EMIs ₹54,500 → deficit eliminated, started ₹15,000 SIP. faydemand.in made EMI crisis numerically undeniable.
High Earner — Zero Savings Shock Vikash, 38, Mumbai, ₹3,20,000 net. Net worth barely ₹15 lakh after 15 years. faydemand.in audit: Total expenses ₹3,45,000. Monthly deficit ₹25,000. 10-year wealth impact: ₹63 lakh destruction + ₹1.5 crore missed investments. Moved to smaller apartment (₹55K saving), reduced holidays (₹20K), cut shopping (₹15K). Monthly surplus ₹65,000 → ₹50,000 SIP started. Net worth now on track.
Retired Couple — Retirement Corpus Check Meena and Ramesh, retired, Pune. Pension ₹65,000/month. Expense audit: Total ₹77,500 → deficit ₹12,500/month. Calculator: Depleting retirement savings at ₹1.5L/year. Savings last only 12 more years. Action: Reduce children support (now earning) + cut travel to ₹6,000. Deficit → ₹3,000 surplus. Retirement corpus preservation secured. faydemand.in gave crucial longevity planning insight.
Freelancer — Irregular Income Budget Kavya, UX designer, income varies ₹60,000-1,50,000/month. Fixed expenses ₹48,000. faydemand.in: Enter minimum income (₹60,000 conservative) as base. Fixed expenses = 80% of minimum income — extremely high risk. Strategy: Every month above ₹60,000 → 50% investment, 50% buffer fund. Month with ₹1,20,000 → ₹30,000 investment, ₹30,000 buffer. Irregular income requires minimum-income planning. faydemand.in framework made this systematic.

Frequently Asked Questions

What is a budget deficit in personal finance?expand_more

Personal budget deficit = monthly expenses > monthly income. Difference = amount you are overspending each month. This money comes from credit card debt, savings depletion, or borrowing. Deficit of ₹5,000 means har mahine ₹5,000 ka hole hai — ₹60,000/year. Budget surplus = income > expenses — healthy state, wealth building possible. faydemand.in Budget Deficit Calculator exact rupee amount nikalta hai — red (deficit) ya green (surplus) — unambiguous answer.

How do I calculate my monthly budget deficit?expand_more

Simple formula: Monthly Deficit = Total Expenses − Total Income. Steps: (1) Net take-home salary note karo. (2) Har expense category note karo — honest numbers (bank statement se). (3) Add all expenses. (4) Subtract from income. (5) Positive = deficit, negative = surplus. faydemand.in calculator structured form provide karta hai — category-wise enter karo, automatic calculation hoti hai. Bar chart aur 50-30-20 analysis bhi instant milta hai.

What are the main causes of monthly budget deficit?expand_more

Top 6 causes: (1) EMI overload — multiple loans eating 40-50% income. (2) Lifestyle inflation — income grows but expenses grow faster. (3) Food delivery creep — ₹250/day × 30 = ₹7,500 invisible drain. (4) Subscription accumulation — ₹3,000-5,000/month forgotten subscriptions. (5) No tracking — spending without awareness. (6) Annual expenses not budgeted — insurance, vacation, festivals hitting as surprise. faydemand.in calculator identifies which cause is primary for your specific budget.

How can I fix my monthly budget deficit?expand_more

Priority order: (1) Cancel unused subscriptions — easiest, immediate, no lifestyle sacrifice. (2) Reduce food delivery — significant amount, moderate sacrifice. (3) Discretionary spending caps — shopping, entertainment budgets. (4) Prepay high-interest loans — reduces EMI burden. (5) Income increase — freelancing, side income. (6) Lifestyle restructuring — larger changes if deficit severe. faydemand.in gives prioritized recommendation — biggest impact per sacrifice unit — start from top.

What is the 50-30-20 budget rule?expand_more

50-30-20 framework: 50% of take-home → Needs (rent/home loan, groceries, utilities, insurance, essential EMIs). 30% → Wants (dining out, entertainment, shopping, subscriptions, travel). 20% → Savings (SIP, PPF, emergency fund, debt prepayment). India reality: EMIs alone often consume 35-45% — leaving zero room for savings. faydemand.in calculator automatically maps your expenses to these three buckets — shows compliance meter — instantly reveals which bucket is overflowing.

How much should I save from my monthly salary?expand_more

Benchmarks: Minimum 20% of take-home salary. Good: 25-30%. Excellent: 35-40%+. Forced vs voluntary distinction: EPF/PF (forced savings) — exclude from take-home if entering net salary. Voluntary savings (SIP, PPF, RD) — this is what you should target at 20%+. Many Indians save 0-5% voluntarily, rely entirely on EPF. Long-term wealth creation requires active 20%+ savings. faydemand.in shows your current savings rate and gap from 20% target — in absolute rupees.

What is subscription creep and how does it drain budget?expand_more

Subscription creep = slow accumulation of monthly subscriptions each individually small but collectively significant. Netflix ₹649, Prime ₹299, Hotstar ₹299, Spotify ₹119, gym ₹1,200, Zomato Gold ₹149, LinkedIn Premium ₹1,600, iCloud ₹149 = ₹4,464/month = ₹53,568/year. Many subscriptions auto-renew and are forgotten. Annual audit: List every subscription, mark if used in last 30 days, cancel unused. Typically saves ₹1,500-3,000/month. faydemand.in subscription field enter karo — total shock guaranteed.

What is the difference between budget deficit and debt?expand_more

Budget deficit = monthly cause. Spending ₹5,000 more than earning every month. Debt = accumulated effect. 12 months of ₹5,000 deficit = ₹60,000 debt added. Relationship: Deficit creates debt. Debt creates interest. Interest creates larger deficit. Cycle worsens. Solution sequence: (1) Fix monthly deficit first — stop the bleeding. (2) Then systematically repay accumulated debt via Debt Snowball Calculator. Trying to repay debt without fixing deficit = futile. Fix income/expense gap first.

How do I track monthly expenses effectively in India?expand_more

Best methods: (1) Bank/Credit Card statements — download monthly, categorize transactions — most accurate. (2) UPI app history — PhonePe, GPay show category totals. (3) Budgeting apps — Walnut (auto-categorizes bank SMS), ET Money, Money Manager. (4) Simple spreadsheet — old school but effective. (5) faydemand.in monthly — enter actuals each month, compare with previous, track trend. Key insight: Perfect tracking system does not matter — consistent use of ANY system matters. 15 minutes monthly review creates dramatically better financial awareness.

Is it normal to have a budget deficit in India?expand_more

Temporary deficit: Normal during specific events — job loss, medical emergency, child admission fees, home renovation. Chronic monthly deficit: Not normal, financially dangerous. Studies suggest 40-50% urban Indian middle-class runs silent monthly deficits — funded by credit card revolving, personal loans, family borrowing. The danger: normalization. faydemand.in calculator 10-year impact dikhata hai — ₹5,000/month deficit = ₹10.35 lakh wealth destruction. Normalize karo nahi — diagnose karo aur fix karo.

Budget Deficit Clear Ho Gaya? Ab Financial Life Transform Karo!

Deficit identify karna pehla step hai — ab comprehensive financial planning karo. In calculators se apna financial life complete karo:

snowflake Debt Snowball CalculatorExisting loans fastest way mein pay off karo — debt mukti plan health_and_safety Emergency Fund CalculatorDeficit fix hone ke baad pehle emergency fund build karo trending_up SIP CalculatorSurplus paise invest karo — 10-20 saal mein wealth create karo account_balance_wallet Net Worth CalculatorComplete financial picture — assets vs liabilities