Budget & Goals
Net Worth Calculator
Add up your assets, subtract what you owe, and track your net worth over named sheets
About the Net Worth calculator
Free Net Worth Calculator to calculate your total net worth by listing all assets and liabilities. Track your financial progress, understand your wealth position, and plan for financial goals with our comprehensive net worth calculator.
How the maths works
Net Worth Formula
Net Worth = Total Assets - Total Liabilities- Net Worth
- Your total financial worth
- Total Assets
- Sum of all valuable possessions (cash, investments, property, etc.)
- Total Liabilities
- Sum of all debts and obligations (loans, credit cards, etc.)
A worked example
Net Worth Calculation Example
| Total Assets | ₹50,00,000 (House + Investments + Cash) |
| Total Liabilities | ₹20,00,000 (Home Loan + Car Loan) |
| Calculation | Assets - Liabilities |
Net Worth: ₹30,00,000
How to use it
- List all your assets (cash, investments, property, vehicles)
- Enter all your liabilities (loans, credit cards, debts)
- Calculator automatically computes your net worth
- View detailed breakdown of assets vs liabilities
- Track your financial health category
What it accounts for
- Calculate comprehensive net worth
- Track assets and liabilities separately
- Categorize different types of assets
- Monitor financial progress over time
- Understand wealth distribution
Why it is worth working out
- Clear picture of your financial position
- Track wealth building progress
- Identify areas for financial improvement
- Set realistic financial goals
Questions people ask
How do I calculate net worth?
Everything you own minus everything you owe. Assets include bank balances, deposits, mutual funds, shares, EPF and NPS balances, property at a realistic market value, and gold. Liabilities include every loan's outstanding principal and any revolving card balance.
Should I include my home?
Include it as an asset and the loan as a liability — that is the honest picture. But remember that a home you live in cannot be spent. Many people are asset-rich on paper and unable to fund six months without income, which is why the emergency fund is a separate question.
How often should I update it?
Quarterly is enough. Monthly turns a long-term measure into noise, and annually is too slow to catch a trend. What matters is the direction across a year, not the value on any given day.
What is a good net worth for my age?
The rules of thumb — one times salary by 30, three times by 40 — assume a career and cost structure that may not be yours. The more useful comparison is against your own figure last year. Rising is good; rising faster than your income is better.
Read more on this
- Asset allocation, and why "100 minus your age" is a poor starting point — Allocation should follow when you need the money and how large a fall you can sit through — not your birthday.
- How to calculate your net worth (and what the number is actually for) — Net worth is assets minus liabilities, but the useful version counts things most people leave out and ignores things most people wrongly include.
This calculator is for information and education. It is not financial advice — see the disclaimer.