Net Worth Calculator
Assets minus liabilities = your true financial position
Assets
Cash & Savings
Investments (Stocks/MF)
Real Estate Value
Vehicles
Retirement Funds (PF/NPS)
Other Assets
Liabilities
Home Loan Outstanding
Car Loan Outstanding
Personal Loan
Credit Card Dues
Other Liabilities
Net Worth
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Total Assets
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Total Liabilities
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Debt-to-Asset Ratio
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What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). It is the single most important number in personal finance — a true measure of your financial health and progress over time. Unlike income, which shows how much you earn, net worth shows how much you have actually built.
Formula used
Net Worth = Total Assets − Total Liabilities
Assets: cash, savings, FDs, investments, property, vehicles, EPF, PPF, gold
Liabilities: home loan, car loan, personal loan, credit card dues, other debt
Debt-to-Asset Ratio = Liabilities ÷ Assets
Below 50%: Healthy Above 80%: High risk
How to use this calculator
- Enter all asset values (cash, investments, property, vehicles, retirement funds)
- Enter all outstanding loan and debt balances
- Click Calculate — see net worth, breakdown, and debt-to-asset ratio
Example
Example — 35-year-old professional:
| Assets | Value | Liabilities | Amount |
|---|---|---|---|
| Savings + FD | ₹5L | Home loan | ₹40L |
| Mutual funds | ₹15L | Car loan | ₹3L |
| Property value | ₹60L | Credit card | ₹50K |
| EPF + PPF | ₹8L | ||
| Total | ₹88L | Total | ₹43.5L |
Net Worth = ₹88L − ₹43.5L = ₹44.5 lakh
Debt-to-Asset Ratio = 43.5 ÷ 88 = 49% (healthy)
Frequently asked questions
A rough guideline: Net worth ≈ Annual salary × (Age ÷ 10). At 35 with ₹12L annual income, target ≈ ₹42L. At 45: ₹54L+. These are benchmarks — not absolute rules.
Yes, at current market value minus outstanding home loan. But also track 'liquid net worth' (excluding primary residence) separately — your home is illiquid and you cannot easily spend it.
Once a quarter is ideal. Annual is the minimum. The trend over time matters more than any single number — consistent upward movement means you are on track.