Find your India wealth class, net worth percentile, 5-pillar score, multi-scenario projection, and a personalised action plan with exact ₹ targets.
Monthly take-home and other recurring income
After tax and PF — not CTC
Rent, freelance, dividends, business
Current market value of everything you own
Savings, current, FD accounts
Demat value, SIP corpus, equity
Home, plot, commercial — market value
Current market value of physical gold
Provident fund and pension corpus
Estimated current value
Current resale value of cars/bikes
Insurance maturity, bonds, others
Outstanding principal across all debts
Remaining principal
Remaining principal
Full outstanding across cards
Business loans, family borrowings
Living costs, EMIs, and what you actually invest
Rent, groceries, utilities — exclude EMIs
SIP, RD, PPF actually transferred
Age, city tier, and dependents shape your class band
Spouse, children, parents supported
Free Wealth Class Calculator India that shows where your household net worth sits on a city-calibrated spectrum (Metro, Tier 1, Tier 2, and a defined Tier 3 / Rural Intellure estimate). Enter take-home and other income, assets (cash, stocks & mutual funds, property, gold, EPF/PPF/NPS, business, vehicles), liabilities (home, car, personal, credit card, education), monthly expenses, EMIs, savings, age, city tier, and dependents. Instantly see net worth, debt-to-asset ratio, cash flow, savings rate, emergency-fund months, and an age × annual income ÷ 10 target. Get a 5-pillar financial score (net-worth progress, savings rate, cash flow, debt health, emergency fund), a beautiful You-are-here wealth spectrum, Conservative 8% / Base 12% / Optimistic 15% wealth-journey projections for +5/+10/+20/+30 years, a profile-specific honest assessment (not generic copy), and a full HIGH/MEDIUM/LOW action plan with exact rupee gaps — including savings-rate shortfalls, emergency-fund shortfalls sized for dependents, term-insurance tips, property concentration flags, and a green win when net worth beats the target. Beats shallow one-scenario calculators with auditable formulas, inclusive class thresholds, and India ₹ formatting (Lakh/Crore). 100% free, no signup, runs in your browser.
Core math: income = take-home + other monthly income; net worth = assets − liabilities; target net worth = age × annual income ÷ 10 (Stanley-style benchmark); emergency months = cash ÷ (expenses + EMIs); savings rate = monthly savings ÷ income.
City-calibrated spectrum (inclusive lower bounds): Metro / Tier 1 / Tier 2 bands match commonly cited urban Indian thresholds. Tier 3 / Rural uses an Intellure estimate (BPL < ₹0.75L; LMC ₹0.75–5L; MC ₹5–25L; UMC ₹25–75L; Affluent ₹75L–3.5Cr; HNW > ₹3.5Cr) because public city tables usually omit a distinct rural column. Percentiles are interpolated inside each band (Bottom 15% → Top 1%) — illustrative, not census microdata.
5 pillars (each /20): Net-worth progress = min(20, round(NW/target×20)); savings bands at 30/20/10/5%; cash-flow bands at >30%/>15%/positive/near-zero/negative of income; debt health at ≤10/25/40/60%; emergency fund at ≥6/3/1 months.
Projection: three scenarios — Conservative 8%, Base 12%, Optimistic 15% — using futureNW = NW×(1+r)^t + (monthlySavings×12)×(((1+r)^t−1)/r). Illustrative only; ignores inflation, taxes, contribution growth, and asset-specific returns (home/gold rarely earn 12%).
Not financial advice. Thresholds are planning heuristics for Indian households; consult a SEBI-registered adviser for personal decisions.
Intellure is a fully managed AI employee that answers customers, handles sales and marketing, and runs the everyday admin, 24/7. Flexible monthly plans built around your budget, no hiring needed.
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