Net Worth Calculator
Calculate your total net worth by adding assets and subtracting liabilities. Personal finance health check.
Assets (₹)
Liabilities (₹)
About this calculator
Your net worth is what you own minus what you owe. It is the simplest honest scorecard of your finances, because income and spending describe a year but net worth describes where you stand. This calculator lets you list your assets and liabilities by name and totals both, then shows your net worth.
Add as many rows as you need. Typical assets are bank balances, investments, a home, a vehicle, gold and provident fund balances. Typical liabilities are home loans, car loans, credit card balances and personal loans. Track the number once or twice a year to see the trend.
How to use it
- Under Assets, type a name and the current value of each thing you own.
- Press + Add Asset for more rows.
- Under Liabilities, add each loan or debt and its outstanding balance.
- Press Calculate Net Worth.
- Read total assets, total liabilities and net worth.
The calculation
Net worth = Total assets − Total liabilities. Use current market values for assets and the outstanding principal for loans. Include only what you could reasonably sell or are legally obliged to repay.
Worked example
A sample household
| Savings account | ₹2,00,000 |
| Home value | ₹50,00,000 |
| Mutual funds | ₹8,00,000 |
| Total assets | ₹60,00,000 |
| Home loan | ₹30,00,000 |
| Car loan | ₹4,00,000 |
| Total liabilities | ₹34,00,000 |
| Net worth | ₹26,00,000 |
A large house can hide a small net worth. Here the home accounts for most assets, and the loan against it takes more than half.
Tips and common mistakes
- Be conservative with valuations. Use what you could actually sell for, not the asking price.
- Do not count personal items such as furniture or clothes unless they are worth selling.
- Net worth can be negative early in life when loans are large. The direction matters more than the number.
- Track the same list every time so changes are comparable.
- Liquid net worth, which excludes your home and illiquid assets, shows how much you can access in an emergency.
Frequently asked questions
What counts as an asset?
Anything you own that has monetary value: cash, deposits, investments, property, vehicles, gold and retirement balances.
What counts as a liability?
Anything you owe: home, car, education and personal loans, credit card dues and any other debts.
Should I include my house?
Yes at its market value, and subtract the loan outstanding on it. Many people also track a version without the home.
How often should I calculate it?
Once or twice a year is enough to see the trend.
Is a negative net worth bad?
It is common for young borrowers. What matters is that it is improving as you repay loans and build assets.
Is my data saved?
No. Everything stays in your browser and is not sent anywhere.