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Net Worth Calculator

Calculate net worth from assets and liabilities.

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Liabilities

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Net Worth
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Total Assets
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Total Liabilities
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Why tracking net worth matters

Net worth is the single most comprehensive indicator of your financial health. Unlike income (which is a flow) or bank balance (which is a snapshot), net worth captures the complete picture — wealth accumulated over years, debts still outstanding, and the real value of all assets.

The debt-to-asset ratio

The calculator shows your debt-to-asset ratio: what percentage of your total assets are financed by debt.

  • Under 30%: Healthy — most of your wealth is unencumbered
  • 30–60%: Moderate — typical for someone with a home loan
  • Above 60%: High — significant portion of assets is leveraged

Tips for growing your net worth

  • Increase savings rate — even small increases (5–10% of income) compound significantly over time.
  • Pay down high-interest debt first — credit card debt at 36–42% p.a. erodes net worth faster than almost any investment can grow it.
  • Invest in appreciating assets — equity mutual funds and real estate tend to grow in value, unlike vehicles which depreciate.

Frequently asked questions

What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Net Worth = Total Assets − Total Liabilities. A positive net worth means your assets exceed your debts; a negative net worth means you owe more than you own.
What should I include as assets?
Assets include: cash and bank balances, fixed deposits, mutual funds, stocks, EPF/NPS/PPF balance, real estate (current market value), gold and jewellery, vehicles (current value), business ownership, and any other valuables. Use current market value, not purchase price.
What counts as a liability?
Liabilities include all outstanding debts: home loan balance, car loan, personal loans, education loan, credit card outstanding balance, and any informal loans. Include only the outstanding principal — not the total EMI you'll pay (which includes future interest).
What is a good net worth at different ages?
A popular rule of thumb: Net Worth ≈ (Age − 25) × Annual Salary / 5. For example, at age 35 with ₹12L annual salary, target net worth is (35-25) × 12L / 5 = ₹24L. These are rough benchmarks — actual targets depend on lifestyle, financial goals, and income.
How often should I calculate my net worth?
Reviewing your net worth every 6–12 months is ideal. It helps you track wealth accumulation, evaluate whether debt reduction is on track, and adjust your savings and investment strategy. Tracking it over time is more useful than any single snapshot.

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