Assets – Liabilities = Net Worth

Net Worth Calculator —
Know What You're Really Worth

Net worth is the foundation of personal finance. Enter your assets and liabilities to see your exact financial position — and track it growing every year.

Net Worth = Total Assets – Total Liabilities. Type amounts directly into any field. Your net worth updates instantly as you type.
Assets — What You Own
Liquid Assets
Savings / Current A/C
Fixed Deposits (FD/RD)
Cash in Hand
Investments
Mutual Funds / Stocks
EPF / PPF / NPS
Gold / Jewellery
Other Investments
Real Assets
Primary Home (market value)
Other Property
Vehicle(s)
Total Assets ₹0
Liabilities — What You Owe
Loans (Outstanding Balance)
Home Loan Balance
Car Loan Balance
Personal Loan
Education Loan
Short-Term Liabilities
Credit Card Outstanding
Family / Friends Borrowed
Other Liabilities
Total Liabilities ₹0
Your Personal Net Worth
₹0
Total Assets
₹0
Total Liabilities
₹0
Debt-to-Asset Ratio
0%
Liquid Net Worth
₹0
Assets vs Liabilities Breakdown

Net Worth — Your Financial Report Card

What is a good net worth at different ages in India?+
A common benchmark: Net Worth target = Age × Annual Income / 10. For a 30-year-old earning ₹12L/year: target net worth = 30 × 12L / 10 = ₹36L. Age 35 → 3.5× annual income. Age 40 → 4× annual income. Age 50 → 7× annual income. Age 60 → 10–12× annual income (retirement-ready). These are guidelines, not rules — real estate ownership, family situation, and inheritance significantly affect actual numbers. The key metric is that net worth is growing year-over-year.
Should I include my home in net worth?+
Yes, but with nuance. Include your home's current market value as an asset and the outstanding home loan as a liability. However, track "liquid net worth" separately (excluding your primary home) because you can't easily spend your home equity. If your entire net worth is trapped in your house, your financial flexibility is limited. Many financial advisors suggest keeping at least 30–40% of net worth in liquid/investable assets for financial security and opportunity.
What is a healthy debt-to-asset ratio?+
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets × 100. Below 30% — excellent financial health. 30–50% — acceptable, manageable. 50–70% — concerning, focus on debt reduction. Above 70% — critical, debt may be unsustainable. For most Indians with a home loan, this ratio is naturally 40–60% in early career years and should decline as the loan is repaid and investments grow. Credit card debt should always be zero — it's the most expensive debt at 30–42% annual interest.
How often should I calculate my net worth?+
Track net worth quarterly or at minimum annually (financial year end). The trend matters more than the absolute number. If net worth grows 10–15% per year, you're on a wealth-building track. Record your numbers in a spreadsheet each time — this gives you a 5–10 year history that reveals patterns, progress, and areas needing attention. Many personal finance apps (Kuvera, Coin, INDmoney) track this automatically if you link your accounts.