General Finance
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Net Worth Calculator
Add up all your assets and liabilities to track your net worth. Adjust any input below and your results update instantly.
Understanding net worth
The concept, the motivation, and what to watch out for.
What is net worth, really?
Net worth is the simplest possible snapshot of your finances: everything you own (assets), minus everything you owe (liabilities). It isn't a projection or a rate of return — just an honest total, at this exact moment.
Unlike income, which measures what flows in each month, net worth measures what you've actually kept and built up over time — which is why it's often a better long-term scorecard than salary alone.
Assets and liabilities both matter
A high income with high debt can still mean a low — or negative — net worth. Tracking both sides together gives a far more honest picture than looking at either alone.
It's a snapshot, not a forecast
Net worth reflects today, not tomorrow. Tracking it every few months (rather than once) is what turns a single number into a genuinely useful trend line.
How this calculator helps
Add up what you own and what you owe — see your net worth, how it's composed, and how it compares to your income, all in one place.
Calculate your net worth
Fill in the starred fields on the left — your results update instantly on the right.
Your details
≈ ₹3.00 L
e.g. ₹3,00,000 in savings
≈ ₹7.00 L
e.g. ₹7,00,000 in mutual funds
≈ ₹5.00 L
e.g. ₹5,00,000 in EPF
≈ ₹50.00 L
e.g. ₹50,00,000 home value
≈ ₹30.00 L
e.g. ₹30,00,000 remaining
≈ ₹3.00 L
e.g. ₹3,00,000 remaining
e.g. ₹50,000 outstanding
≈ ₹12.00 L
e.g. ₹12,00,000 a year
These are example numbers. Edit any input on the left to see your own.
Your net worth is
₹31.50 L
2.6x your annual income
Total assets
₹65.00 L
Total liabilities
₹33.50 L
What makes up your net worth
AssetsLiabilities
Category breakdown
Each category’s share of its own group — how much of your assets, or of your liabilities, it represents.
CategoryAmount% of groupStatus
Cash & bank balance₹3.00 L5%
Asset
5% of total assets
Investments₹7.00 L11%
Asset
11% of total assets
Retirement savings₹5.00 L8%
Asset
8% of total assets
Property & other assets₹50.00 L77%
Asset
77% of total assets
Home loan₹30.00 L90%
Liability
90% of total liabilities
Vehicle & personal loans₹3.00 L9%
Liability
9% of total liabilities
Credit card & other debt₹50,0001%
Liability
1% of total liabilities
Compare scenarios
See how saving a share of your income this year would move your net worth.
Today
Current snapshot
₹31.50 L
Net worth in 1 year
Baseline
Save 10% of income
In 1 year
₹32.70 L
Net worth in 1 year
+₹1.20 L
Save 20% of income
In 1 year
₹33.90 L
Net worth in 1 year
+₹2.40 L
Worked example, using your numbers
A step-by-step walkthrough of how your net worth is calculated.
Step 1 · Total assets
Adding up your cash, investments, retirement savings, and property gives
₹65.00 L
Step 2 · Total liabilities
Adding up your home loan, other loans, and remaining debt gives
₹33.50 L
Step 3 · Net worth
Subtracting what you owe from what you own gives
₹31.50 L
✓
₹65.00 L in assets minus ₹33.50 L in liabilities gives a net worth of ₹31.50 L.
Personalised insights
What your numbers reveal, and what changing them would do.
Your net worth is ₹31.50 L
That's ₹65.00 L in total assets minus ₹33.50 L in total liabilities.
Your liabilities are 52% of your assets
This debt-to-asset ratio is one quick way to gauge how leveraged your overall finances are.
Your net worth is 2.6x your annual income
A common way to benchmark your own progress over time — more useful compared against your past self than against anyone else.
Saving 20% of your income this year would raise your net worth to ₹33.90 L
Consistently saving a share of your income, even without any investment growth, steadily compounds your net worth year over year.
How this is calculated
Every step of the math behind your result, shown in the open.
Total assets
A = total assets
Every asset category — cash, investments, retirement savings, and property — is added together to get everything you own.
Example: ₹3.00 L + ₹7.00 L + ₹5.00 L + ₹50.00 L → ₹65.00 L total assets
Total liabilities
L = total liabilities
Every liability category — home loan, vehicle and personal loans, and other debt — is added together to get everything you owe.
Example: ₹30.00 L + ₹3.00 L + ₹50,000 → ₹33.50 L total liabilities
Net worth
A = total assets, L = total liabilities, N = net worth
Subtracting what you owe from what you own gives your net worth — the bottom line of your finances.
Example: ₹65.00 L − ₹33.50 L → ₹31.50 L net worth
Assumptions
- This is a snapshot at a single point in time — it doesn't project growth or account for future contributions.
- Asset values are whatever you enter — this tool doesn't independently verify current market prices.
- Figures are indicative — not financial advice.
Did you know?
A few facts behind net worth and building wealth.
Flow
Income is a flow, net worth is a stock
Income measures money moving in each month; net worth measures what's actually accumulated — a high earner who spends everything can have a lower net worth than a modest saver.
Equity
A mortgaged home still builds wealth
Every EMI payment shifts a small amount from liability to equity, which is why net worth typically rises steadily even while a home loan is still being repaid.
Trend
One number matters less than the trend
A single net worth snapshot says little on its own — tracking it every few months turns it into one of the most honest indicators of financial progress.
-ve
Negative net worth is common early on
Graduates carrying education loans, or new homeowners early into a mortgage, often start with negative net worth — it typically turns positive well before retirement.
Frequently asked questions
Straight answers to the questions we hear most about net worth.
What counts as an asset?
Anything with a real resale or redemption value: cash, bank balances, investments, retirement savings, property, vehicles, and gold. Items with mostly sentimental or fast-depreciating value (like furniture or electronics) are usually left out.
Should I include my home if I still have a home loan on it?
Yes — include the home's full current market value as an asset, and the remaining loan balance separately as a liability. The difference between the two is your actual equity in the property.
Is a negative net worth bad?
It's common early in life — for example, right after taking a large education or home loan. What matters more than the number at any one point is the trend: whether it's improving over time.
How often should I calculate my net worth?
Many people find every 3–6 months to be a useful rhythm — frequent enough to catch trends, infrequent enough that day-to-day market swings don't distort the picture.
What's a good net worth to income ratio?
There's no universal target — it depends heavily on age, income stability, and financial goals. It's most useful as your own personal benchmark, tracked over time, rather than compared directly against someone else's.
Is this financial advice?
No. This tool provides an indicative snapshot based on the figures you enter. Consult a certified financial advisor for advice tailored to your situation.
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Learn more
Articles to go deeper on the ideas behind this calculator.
Fundamentals
Net worth vs. income: why both matter
Why what you keep matters as much as what you earn.
5 min read
Strategy
How to track your net worth over time
Building a simple habit out of a one-time calculation.
5 min read
Fundamentals
What counts as an asset or a liability?
A practical guide to building an honest personal balance sheet.
6 min read