Why Us
How It Works
FINLAY STAKES / FREE FINANCIAL TOOLS

Free Net Worth & Family Vault Readiness Calculator

Calculate your true net worth in under 2 minutes.

See whether your family can find, access, and claim your assets during a crisis.

Private by design No account requiredAbout 2 minutes
Your region & currency

Fields adapt instantly to where your wealth lives.

  1. 01Digital & market assets
  2. 02Property & liabilities
  3. 03Results & action
STEP 1 OF 2

Start with what you own.

Currency

Enter every balance in INR. Currency changes labels only, without conversion.

DIGITAL & MARKET ASSETSCURRENT VALUE

Savings accounts, fixed deposits (FDs) and cash

Family access (optional)

Mutual funds, stocks, demat holdings and bonds

Family access (optional)

EPF, PPF and NPS balances

Family access (optional)

Term life insurance cover. Not added to net worth.

Family access (optional)

Family access means your spouse or nominee knows where to find the records and claim instructions. Never enter passwords or account numbers here.

Amounts are calculated locally. No financial data is saved, stored or shared by this calculator.

BEYOND YOUR BALANCE SHEET

One home for the records behind your wealth.

Bring your financial life together with Finlay Stakes.

  • Organize assets and insurance policies
  • Keep important documents easy to find
  • Prepare nominee and family access instructions
  • Review your financial health in one place
Explore Finlay Stakes →Organize your financial records with Finlay Stakes.
Finlay Stakes dashboard showing your financial workspace
YOUR WEALTH. YOUR FAMILY. THEIR PEACE OF MIND.

Why Net Worth Is Only Half the Story

Standard net-worth calculators show you what you own. They rarely ask whether your family knows where to find it. Forgotten accounts, missing policy records, and scattered documents can make hard-earned assets difficult to trace.

Calculating your total net worth is useful for financial planning. Helping your spouse or legal nominees locate the records and understand the claims process is another essential part of family security.

Net worth = total assets − total liabilities
THE GLOBAL UNCLAIMED WEALTH CRISIS

Universal Risk Indicators

Unclaimed assets are a worldwide issue. The rules and recovery routes differ by country; dormant funds are not necessarily lost forever.

United States

States hold unclaimed funds from sources including bank accounts and insurance policies. Legal heirs may be able to claim a deceased relative’s funds.

US government: find unclaimed money ↗

United Kingdom

The Dormant Assets Scheme covers eligible unused financial products. Owners retain the right to reclaim what they are owed.

UK government: dormant assets ↗

UAE & Middle East

Inheritance requirements vary. In the UAE, banks may require death and succession certificates, plus authorization from heirs, before releasing funds.

UAE bank: inheritance documentation ↗

India & Asia

Recovery procedures vary across Asia. In India, RBI’s UDGAM portal helps people search for unclaimed bank deposits; claims are made with the relevant bank.

RBI: unclaimed deposit search ↗

The 3 Most Common Asset Blind Spots Worldwide

01 / Investment Accounts & Equities

Without a record of providers, account references and statement locations, family members may struggle to trace stocks, funds and other investments. Keep an inventory and instructions for contacting each provider.

02 / Life & Term Insurance Policies

Make sure your family can identify the insurer, policy number and claims process. The coverage amount is protection, not current net worth; only a policy’s current surrender value belongs in your assets.

03 / Bank Deposits & Safe Deposit Lockers

Document your banks and locker locations. Depending on the jurisdiction, dormant balances or locker contents may enter an unclaimed-property process. Keep details current so your family knows where to start.

For a consistent snapshot, use values from the same date, count shared assets and debts once, and leave non-applicable categories blank. Estimates exclude taxes and selling costs.

Explore financial health and net worth with Finlay Stakes.

FAQ

Frequently Asked Questions

Yes. The calculator is free to use anywhere, with no account or credit card required. Finlay Stakes’ basic asset organization, document storage and nominee protection features are free forever. The vault button opens the Finlay Stakes login page.