Net Worth Calculator

Salary, savings and EMIs are spread across a dozen apps, so it's hard to know where you really stand. Thisnet worth calculator brings it together: list your bank balances, deposits, PF, investments, gold and property, subtract your loans and card dues, and see one number that tells you how wealthy you are today. Your figures stay saved in your browser so you can update them next year and see your progress.

How to use it

Enter today's value of each type of asset (leave blank what doesn't apply).
Enter the outstanding balance of each loan, not the original amount.
Come back every 6–12 months to update the numbers.

Example

A 32-year-old has ₹1.5 lakh in the bank, ₹4 lakh in EPF and PPF, ₹3 lakh in mutual funds, gold worth ₹2 lakh and a flat worth ₹70 lakh — ₹80.5 lakh of assets. With a ₹45 lakh home loan and ₹50,000 of card dues, net worth is ₹35 lakh — but minus ₹35 lakh excluding the home: most of the wealth is locked in the flat. Build liquid wealth with the SIP calculator and plan loan payoff with theprepayment calculator.

Disclaimer: Results are estimates for educational purposes only and are not financial, investment or tax advice. Please verify with your bank, broker or a SEBI-registered adviser before acting. Read the full disclaimer.

Frequently asked questions

What is net worth?

Everything you own (assets) minus everything you owe (liabilities). It is the single best snapshot of your financial health, and tracking it once or twice a year shows whether you are actually getting richer.

Should I include my house?

Yes, at a realistic market value, along with the home loan outstanding. Many people also look at their net worth excluding the home they live in, since you can’t easily spend it.

Is my data saved?

Your figures are saved only in this browser on your device, so you can come back and update them. Nothing is uploaded.

What is a good debt-to-asset ratio?

Lower is better. Under about 30–40% is generally comfortable; a ratio above 50% means debts are large compared with what you own, so focus on paying down high-interest loans first.