Calculator
Net Worth Calculator
Your net worth is everything you own minus everything you owe — the single number that tells you whether you are actually getting wealthier, regardless of income. This calculator adds up your assets (cash, investments, property, EPF/PPF, gold) and subtracts your liabilities (home loan, personal loans, credit-card dues) to show your current net worth. Track it every few months: rising net worth, not a rising salary, is the real sign of financial progress.
Current market value, not purchase price.
Outstanding balance, not the original amount.
Assets vs liabilities
- Total assets₹12,00,00071%
- Total liabilities₹5,00,00029%
Use current market values for assets (especially property and gold) and outstanding balances for loans. A negative net worth is common early in life when student or home loans are large — what matters is the trend over time.
What your result means
- The single number matters less than its direction — a net worth that rises every quarter is the real goal, even if it starts negative.
- Value assets at realistic resale value, not what you paid; and include every liability — home, car, personal, and card balances.
- A young person with a big home loan can show negative net worth and still be on track; what matters is the trend turning and steepening over time.
How to use this calculator
- List your cash and bank balances, including any FDs and the emergency fund.
- Add all investments at current value — mutual funds, stocks, EPF, PPF, NPS, and gold.
- Enter property at its current market value, not what you paid for it.
- Enter the outstanding balance on every loan and your credit-card dues.
- Read your net worth, then recalculate every quarter to track the trend, not the absolute number.
The formula
Net worth = Total assets − Total liabilities. Total assets = cash + investments + property + other assets. Total liabilities = all outstanding loans + credit-card dues + other debts.
Worked example
Suppose you have ₹2,00,000 in cash, ₹10,00,000 in investments (including EPF and PPF), no property yet, a ₹5,00,000 outstanding home-loan balance and ₹50,000 on a credit card. Total assets = ₹12,00,000; total liabilities = ₹5,50,000; net worth = ₹6,50,000. Six months later, if investments grow to ₹11,50,000 and the loan drops to ₹4,60,000, net worth climbs to ₹8,40,000 — visible proof your plan is working.
When to use it
- Establishing a baseline before you start investing seriously.
- Tracking real progress quarter over quarter, independent of income.
- Checking whether your wealth is growing faster than your debt.
- Reviewing asset mix to spot over-concentration in property or idle cash.