Net Worth Calculator
Track your personal financial health by mapping total assets against total liabilities.
Net Worth Calculator
Projections Output
What Is Net Worth?
Net worth is the single number that summarizes your overall financial position: everything you own (assets) minus everything you owe (liabilities). It is not the same as income — a high earner with large debts can have a lower net worth than a modest earner who has saved and invested consistently. Tracking it over time, rather than as a one-off snapshot, is what actually makes it useful: a rising trend means your financial decisions are compounding in your favor.
Formula & Worked Example
Example: a household with ₹1,00,000 in cash, ₹15,00,000 in investments, a property worth ₹50,00,000, and ₹2,00,000 in other assets has total assets of ₹68,00,000. Against this, they carry a ₹25,00,000 home loan balance, a ₹1,50,000 personal loan, and ₹50,000 in credit card debt — total liabilities of ₹27,00,000. Their net worth is ₹68,00,000 − ₹27,00,000 = ₹41,00,000.
What Counts as an Asset vs. a Liability
| Assets (what you own) | Liabilities (what you owe) |
|---|---|
| Cash & bank balances | Home loan outstanding |
| Stocks, mutual funds, FDs | Personal loan outstanding |
| Property / real estate value | Credit card balance |
| EPF, PPF, retirement accounts | Car loan / other EMIs |
| Gold, SGBs, other investments | Any other pending dues |
Frequently Asked Questions
Should I include my car or jewelry as an asset?
You can, but be conservative — use the realistic resale value, not the purchase price or sentimental value. Vehicles depreciate quickly, so a 3-year-old car is worth significantly less than what you paid. Jewelry is harder to value precisely; many people exclude it entirely and focus on liquid or income-generating assets for a cleaner picture.
Does my salary count toward net worth?
No. Net worth is a snapshot of accumulated wealth (assets minus liabilities) at a point in time, not your income flow. A high salary helps you build net worth faster, but it is not itself part of the calculation — what matters is what you have saved, invested, or paid down with that income.
What is a good net worth for my age?
A common rule of thumb (from Thomas Stanley’s "The Millionaire Next Door") is that your net worth should be roughly your age × your annual pre-tax income ÷ 10. For example, a 35-year-old earning ₹12,00,000 a year would target a net worth around ₹42,00,000. It is a rough benchmark, not a hard rule — savings rate and starting point matter more than the formula.
How often should I recalculate my net worth?
Quarterly or twice a year is usually enough for most people — monthly tracking can create noise from market fluctuations in your investments without reflecting real progress. What matters is the trend over several check-ins, not any single number.
Should I use market value or purchase price for my property?
Use a realistic current market value, not what you originally paid. Check recent sale prices of comparable properties in your area, or get a rough estimate from a local broker. Overstating property value is the most common way people inflate their net worth without realizing it.
Is a negative net worth bad?
It is common, especially early in a career or right after taking a large loan like a home purchase — your liabilities can temporarily exceed your assets. What matters is the trajectory: if your net worth is improving each time you check it, you are moving in the right direction regardless of the current sign.