Net Worth Calculator

Item	Type	Amount	Share
Cash & bank	Asset	₹2,00,000	2%
Fixed deposits	Asset	₹5,00,000	5.1%
Stocks & mutual funds	Asset	₹12,00,000	12.2%
EPF / PPF / NPS	Asset	₹9,00,000	9.2%
Real estate	Asset	₹60,00,000	61.2%
Gold & jewellery	Asset	₹4,00,000	4.1%
Vehicles	Asset	₹6,00,000	6.1%
Home loan	Liability	₹35,00,000	91.5%
Car loan	Liability	₹3,00,000	7.8%
Credit card dues	Liability	₹25,000	0.7%
Net worth		₹59,75,000

What is net worth?

Net worth is everything you own minus everything you owe. Add up your assets — bank balances, deposits, investments, retirement accounts, property, gold, vehicles — and subtract your liabilities — home loan, car loan, personal loans and credit card dues. The result is the single best measure of your financial position, far more telling than income alone.

This net worth calculator totals your assets and liabilities, separates liquid net worth (what you could access quickly) from the total, and shows useful ratios: debt to assets, how many months your emergency fund covers, and your annual savings.

How this calculator works

Net worth is the single most honest number in personal finance: everything you own, minus everything you owe. Income tells you what passes through your hands; net worth tells you what actually stayed.

The headline figure matters less than its composition. Two people with ₹1 crore net worth are in very different positions if one holds it entirely in a house they live in and the other has half of it in liquid investments. That is what the liquid net worth figure separates out.

The debt-to-assets ratio shows how much of what you "own" the lender still has a claim on. Below 50% is generally comfortable; above 70% leaves very little room if income stops or asset values fall.

Track this once or twice a year rather than monthly. Net worth moves slowly, and checking it too often turns a long-term measure into noise.

Formula

Net worth       = total assets − total liabilities
Liquid net worth = (cash + deposits + market investments) − total liabilities
Debt to assets   = total liabilities ÷ total assets × 100
Emergency fund   = liquid assets ÷ monthly expenses

Worked example

Assets: ₹96 lakh (₹60L property, ₹12L investments, ₹9L retirement, ₹7L deposits, ₹6L vehicle, ₹2L cash).
Liabilities: ₹38.25 lakh (₹35L home loan, ₹3L car loan, ₹25,000 card dues).
Net worth is ₹57.75 lakh, but liquid net worth is negative — the debt exceeds what could be sold quickly.

What to include, and at what value

Item	Include as	Value to use
Savings, FDs, RDs	Liquid asset	Current balance including accrued interest
Mutual funds, shares	Investment	Current market value
EPF, PPF, NPS	Retirement asset	Current balance from the passbook or statement
Home you live in	Real estate	Realistic resale value, not purchase price
Gold and jewellery	Asset	Current gold value by weight, excluding making charges
Car or bike	Asset	Current resale value — it falls every year
Home, car, personal loans	Liability	Outstanding principal today
Credit cards	Liability	Full outstanding balance

Be conservative with property and vehicles, and ignore things you would never sell. The aim is a number you can track honestly year after year.

Reading the ratios

Debt to assets: below about 30%–40% is comfortable for most households; very high ratios leave little room for setbacks.
Emergency fund: aim for at least six months of expenses in liquid assets, more if your income is irregular.
Liquid net worth: can be negative for people with a large home loan, which is normal early on — but it should rise over time as the loan is repaid and savings grow.
Savings rate: saving 20%–30% of income or more is what moves net worth up meaningfully over a decade.

Assumptions & important notes

What this calculator assumes

Assets are entered at current market value, not purchase price. Vehicles in particular are usually worth far less than people assume.
Retirement balances are counted as assets even though they cannot be accessed freely, which is why they are excluded from the liquid figure.
No allowance is made for capital gains tax that would be due if assets were actually sold.
Future income and pension entitlements are not counted — net worth is a snapshot of today.

Important notes

A common benchmark is that net worth should reach roughly your annual income by 30, three times by 40 and six times by 50 — rough targets, not rules.
Your own home is an asset but not an investment you can spend. Many planners exclude it when judging financial independence.
Credit card dues carried month to month are the most expensive liability on this list, often 36–48% a year. Clear them before almost anything else.

Frequently asked questions

Should I include my house in net worth?

Yes — it is genuinely an asset, offset by the outstanding home loan. But look at the liquid net worth figure too, because a house you live in cannot be spent without finding somewhere else to live.

What is a good net worth?

There is no universal figure; it depends on age, income and cost of living. Progress matters more than level — a net worth that rises every year, and a debt-to-assets ratio that falls, is the signal to watch.

Why is my liquid net worth negative?

Because your debts exceed the assets you could realise quickly. That is common for people early into a home loan and is not necessarily a problem, but it does mean a job loss would force you to sell something illiquid.

How often should I calculate this?

Once or twice a year is plenty. Net worth is a slow-moving measure, and checking it monthly mostly captures market noise rather than real progress.

Should I include EPF and PPF in my net worth?

Yes. They are your money, even though they are locked in. Many people track them separately as retirement assets so they are not counted as money available for other goals.

Does net worth include future salary?

No. Net worth is a snapshot of what you own and owe today. Future income, and future commitments such as rent, are not included.

Asset and liability breakdown

About the Net Worth Calculator