Your Assets
Cash & Bank Balance
Investments (Stocks / MF / FD)
Real Estate / Property
Vehicles
Gold / Jewellery
Provident Fund / EPF / PPF
Other Assets
Your Liabilities
Home Loan Outstanding
Car Loan Outstanding
Personal Loan Outstanding
Education Loan Outstanding
Credit Card Outstanding
Other Liabilities
Total Assets
Rs. 0
Total Liabilities
Rs. 0
Your Net Worth
Rs. 0
What is a Net Worth Calculator?
Your Net Worth is the single number that best summarizes your overall financial health — it’s what you’d have left if you sold everything you own and paid off everything you owe. This calculator adds up all your assets, subtracts all your liabilities, and shows you where you stand today.
Tracking net worth over time (say, once every 6 or 12 months) is one of the most useful financial habits, because it captures the complete picture — savings, investments, property, and debt — in one figure, rather than looking at any single account in isolation.
How Net Worth is Calculated
Net Worth = Total Assets − Total Liabilities
Total Assets: Everything you own with monetary value — cash, investments, property, vehicles, gold, retirement funds, and other valuables
Total Liabilities: Everything you owe — outstanding loans, credit card dues, and any other debt
Note: Use current market value for assets like real estate or investments, not their original purchase price, for an accurate picture. For liabilities, use the current outstanding loan balance, not the original loan amount you borrowed.
Example: If your total assets add up to Rs. 6,00,000 (cash, investments, and other holdings) and you have no outstanding loans, your net worth is Rs. 6,00,000. If you also had a Rs. 2,00,000 personal loan outstanding, your net worth would instead be Rs. 4,00,000.
Frequently Asked Questions
What is a Net Worth calculator?
It calculates your overall financial position by subtracting your total liabilities from your total assets.
How is net worth calculated?
Net Worth = Total Assets minus Total Liabilities, where assets include items like cash, investments, and property, and liabilities include loans and other debts.
What counts as an asset in this calculator?
Common assets include bank balances, mutual fund and stock investments, real estate, gold, and retirement fund balances.
What counts as a liability in this calculator?
Common liabilities include outstanding home loans, car loans, personal loans, and credit card dues.
How often should I check my net worth?
Reviewing your net worth every 6 to 12 months can help you track progress toward your financial goals over time.