Net Worth Calculator
Weigh what you own against what you owe.
Your inputs
Net worth is total assets minus total liabilities.
Estimates only. Figures are indicative and do not constitute financial advice.
About the Net Worth Calculator
"How do I calculate my net worth" is a question more people are searching as personal finance awareness grows in India — and the calculation itself is refreshingly simple: everything you own, minus everything you owe. This net worth calculator adds up your assets across cash, investments, and property, subtracts your liabilities like loans and credit card debt, and gives you a single number that's one of the clearest snapshots of your overall financial health.
Net worth isn't about how much you earn — it's about what you've actually built. Two people with the same salary can have wildly different net worth depending on how much they save, invest, and owe. This calculator groups your assets into cash & deposits (savings accounts, FDs), investments (mutual funds, stocks, PPF, EPF), and property & other assets (real estate, gold, vehicles), and your liabilities into loans outstanding (home, car, personal) and other liabilities (credit card dues, personal debts). The result shows your total assets, total liabilities, your debt-to-assets ratio (a useful gauge of how leveraged you are), and your net worth. Tracking this number every 6-12 months — not obsessively, just periodically — is one of the simplest ways to see whether you're actually making financial progress, independent of month-to-month income fluctuations. It's especially useful before a major financial decision like taking a large loan, applying for a mortgage, or just doing an annual personal finance check-in at the start of a new financial year.
How to use this calculator
- Enter your cash & deposits, investments, and property/other assets.
- Enter your outstanding loans and other liabilities.
- See your total assets, liabilities, debt-to-assets ratio, and net worth.
Frequently asked questions
›How do you calculate personal net worth?
Net worth = total assets (cash, investments, property, and other valuables) minus total liabilities (loans, credit card debt, and other amounts owed).
›What counts as an asset for net worth calculation?
Cash and bank deposits, fixed deposits, investments like mutual funds and stocks, retirement savings like PPF and EPF, and property or other valuables like gold and vehicles all count as assets.
›Is a home loan a liability even if I own the house?
Yes — the outstanding home loan balance is a liability, while the property's current market value is counted separately as an asset; your net equity in the house is the difference between the two.
›What is a good debt-to-assets ratio?
There's no single "correct" number, but generally, a lower debt-to-assets ratio indicates less financial leverage and more resilience to income shocks — many financial planners suggest keeping it well under 50% outside of a mortgage-heavy early career stage.
›How often should I recalculate my net worth?
Most financial planners suggest checking every 6-12 months — frequently enough to track meaningful progress, without obsessing over short-term market fluctuations in your investments.
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Read the full guide
How to Calculate Your Net Worth (With a Real Example)