Net Worth Calculator
Your net worth is a snapshot of your financial position: everything you own minus everything you owe. Tracking it over time shows whether you are moving in the right direction.
Results
Your net worth
₹56,70,000
- Total assets
- ₹90,00,000
- Total liabilities
- ₹33,30,000
- Debt as a share of assets
- 37%
- Liquid assets (cash and investments)
- ₹21,00,000
Your assets of ₹90,00,000 minus liabilities of ₹33,30,000 give a net worth of ₹56,70,000.
Assets vs liabilities
- Net worth₹56,70,000 (63.0%)
- Liabilities₹33,30,000 (37.0%)
Show the calculation steps
- Assets = cash ₹3,00,000 + investments ₹18,00,000 + property ₹60,00,000 + vehicles ₹5,00,000 + other ₹4,00,000 = ₹90,00,000.
- Liabilities = home loan ₹30,00,000 + vehicle loan ₹2,00,000 + card debt ₹30,000 + other ₹1,00,000 = ₹33,30,000.
- Net worth = assets − liabilities = ₹56,70,000.
- Use current market values. A negative net worth is common early in life, especially with student or home loans, and improves as you repay debt and save.
What to include
List assets at what you could sell them for today, not what you paid. Include all loans and credit card balances as liabilities. Leave out things with no resale value, such as most household goods.
Track it over time
The number matters less than its direction. Recalculate every six or twelve months. A rising net worth means your savings and asset growth are outpacing your debt.
Formula
Net worth = Total assets − Total liabilities
Where:
- Assets
- = Everything you own, at current market value
- Liabilities
- = Everything you owe
Example calculation
Assets of ₹90 lakh with ₹33 lakh of liabilities
Inputs
- Cash and Bank Balances
- ₹3,00,000
- Investments (Shares, Funds, Deposits, EPF)
- ₹18,00,000
- Property Value
- ₹60,00,000
- Vehicles
- ₹5,00,000
- Other Assets (Gold, Business)
- ₹4,00,000
- Home Loan Balance
- ₹30,00,000
- Vehicle Loan Balance
- ₹2,00,000
- Credit Card Debt
- ₹30,000
- Other Loans
- ₹1,00,000
Result
- Your net worth
- ₹56,70,000
- Total assets
- ₹90,00,000
- Total liabilities
- ₹33,30,000
- Debt as a share of assets
- 37%
- Liquid assets (cash and investments)
- ₹21,00,000
Step-by-step
- Assets = cash ₹3,00,000 + investments ₹18,00,000 + property ₹60,00,000 + vehicles ₹5,00,000 + other ₹4,00,000 = ₹90,00,000.
- Liabilities = home loan ₹30,00,000 + vehicle loan ₹2,00,000 + card debt ₹30,000 + other ₹1,00,000 = ₹33,30,000.
- Net worth = assets − liabilities = ₹56,70,000.
Important notes
- A negative net worth is common early in life, and improves as you repay loans and build savings.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
How do I calculate my net worth?
Add up all your assets and subtract all your liabilities.
Should I include my home?
Yes, at its current market value, and include the loan on it as a liability.
What is a good net worth for my age?
There is no single answer. Focus on growing yours steadily.
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