Net Worth Calculator
Add up what you own and owe to find your net worth.
Updates as you type.
What Is Net Worth and How Is It Calculated?
Your net worth is the single clearest snapshot of your financial health. It is simply everything you own minus everything you owe. The formula is:
Net Worth = Total Assets − Total Liabilities
If your assets are larger than your liabilities, your net worth is positive. If you owe more than you own, it is negative, which is common early in your career when education loans or home loans dominate your balance sheet.
For example, suppose your assets add up to ₹45,00,000 (a flat, mutual funds, EPF and bank balance) and your liabilities total ₹28,00,000 (an outstanding home loan and a car loan). Your net worth is ₹45,00,000 − ₹28,00,000 = ₹17,00,000. Tracking this number once or twice a year tells you whether you are genuinely building wealth, not just earning and spending.
What Counts as an Asset?
An asset is anything you own that has monetary value and could be sold or converted to cash. Group your assets into a few simple categories so nothing is missed:
- Liquid assets: savings and current account balances, cash in hand, fixed deposits and liquid funds.
- Investments: mutual funds, stocks, bonds, PPF, EPF, NPS, ULIPs and the surrender value of investment-linked insurance.
- Real estate: the current market value of your house, flat or land — not the price you originally paid.
- Personal and other assets: gold and jewellery, a car or two-wheeler (at resale value), and any business equity you hold.
Always use the current realisable value. A car worth ₹9,00,000 when new may fetch only ₹5,00,000 today, and that lower figure is what belongs on your balance sheet.
What Counts as a Liability?
A liability is any money you owe to someone else. List the full outstanding balance, not the EMI. Common categories include:
- Secured loans: home loan, car loan and loan against property — the remaining principal you still owe.
- Unsecured loans: personal loans, education loans and any borrowing from family or friends.
- Revolving debt: outstanding credit card balances and consumer-durable EMIs.
Suppose you have a home loan with ₹22,00,000 outstanding, a personal loan of ₹3,00,000 and a credit card balance of ₹75,000. Your total liabilities are ₹25,75,000. Subtract this from your total assets to get your true net worth. Paying down high-interest liabilities is one of the fastest ways to push your net worth higher.
Why You Should Track Your Net Worth
Income tells you how much you earn; net worth tells you how much you have actually kept. Two people earning the same salary can have wildly different net worths depending on how they save, invest and borrow.
Tracking net worth regularly helps you in several ways: it reveals whether your wealth is growing year on year, it exposes lifestyle inflation when spending rises but net worth stagnates, and it keeps you motivated as investments compound and loans shrink. It is also the foundation for goal planning — retirement, a child's education or financial independence are all defined in terms of a target net worth.
A practical habit is to recalculate every quarter or at least every financial year. Watching the number climb — especially as you reduce debt and your investments compound — turns abstract financial discipline into a concrete, motivating score you can actually see improve.
Frequently Asked Questions
There is no universal figure, since it depends heavily on age, income and city. A useful rule of thumb is that your net worth should roughly equal your annual income multiplied by your age and divided by ten. The more important benchmark, however, is whether your own net worth is steadily increasing year after year.
Yes. Include them at their current resale value rather than the purchase price. A car depreciates quickly, so it may be worth far less than you paid, while gold and jewellery often appreciate. Using realistic current values keeps your net worth honest and accurate.
Yes, and it is very common early in life. If you have a large home loan or education loan and few investments, your liabilities can exceed your assets, giving a negative net worth. As you repay debt and build savings, it gradually turns positive.
Once a quarter is ideal, and at minimum once every financial year. Frequent tracking helps you spot trends, catch rising debt early and stay motivated as your investments grow and loans reduce over time.
Yes. Your Employees' Provident Fund (EPF), Public Provident Fund (PPF) and NPS balances are genuine assets and should be included at their current accumulated value, even though you cannot withdraw them freely until certain conditions are met.
Income is the money you earn over a period, such as your monthly salary. Net worth is what you have accumulated after spending and borrowing — your assets minus your liabilities. High income does not automatically mean high net worth if most of it is spent or lost to debt.