Net Worth Calculator
Calculate your net worth by evaluating all assets and liabilities
Assets
Liquid Assets
Bank savings account balance
Business/current account balance
Physical cash available
Money market and liquid funds
Fixed Income Assets
Bank FDs and term deposits
Monthly recurring deposits
Public Provident Fund - Self
Public Provident Fund - Spouse
Public Provident Fund - Children
Employee Provident Fund
National Pension System
National Savings Certificate
Kisan Vikas Patra
Post office savings schemes
Company fixed deposits
G-Sec and treasury bills
Equity Investments
Direct equity investments
Equity and hybrid funds
Tax-saving equity funds
Debt and income funds
Exchange Traded Funds
Corporate bonds and debentures
Employee stock options
Real Estate
Current market value of home
Rental/investment real estate
Office/shop/warehouse property
Vacant land and plots
Other Assets
Physical gold and jewelry
Physical silver investments
ULIP and endowment policies (surrender value)
Private pension fund corpus
Business ownership value
Cars, bikes current market value
Collectibles and artwork
Digital currency investments
Any other valuable assets
Liabilities
Outstanding Debts
Outstanding home loan balance
Personal loan outstanding
Vehicle loan balance
Student loan outstanding
Business loan balance
Total credit card outstanding
Loan against gold
LAP outstanding balance
LAS outstanding balance
Any other outstanding debts
🔗 Related Financial Calculators
🧮 Popular Financial Calculators
Explore our most popular financial calculators to plan your finances better.
SIP Calculator
Calculate SIP returns
EMI Calculator
Calculate loan EMI
FD Calculator
Calculate FD returns
Home Loan
Calculate home loan EMI
Personal Loan
Calculate personal loan EMI
Income Tax
Calculate income tax
CAGR Calculator
Calculate growth rate
Retirement
Plan retirement corpus
PPF Calculator
Calculate PPF returns
Lumpsum
Calculate lumpsum returns
Inflation
Calculate inflation impact
Mutual Fund
Calculate MF returns
About Net Worth Calculator
Net Worth is the difference between your total assets and total liabilities. It represents your true financial position and is a key indicator of your financial health. Our comprehensive calculator helps you track all categories of assets and liabilities to get an accurate picture of your wealth.
✓ Assets Include
- • Cash and bank deposits
- • Investment portfolios
- • Real estate properties
- • Retirement accounts (PPF, EPF, NPS)
- • Gold, jewelry, and valuables
- • Business ownership
✗ Liabilities Include
- • Home and personal loans
- • Credit card debt
- • Vehicle loans
- • Education loans
- • Business loans
- • Any other outstanding debts
💡 Net Worth Tips
- • Update your net worth calculation quarterly
- • Use current market values for all assets
- • Include only surrender value for insurance policies
- • Exclude primary residence if you prefer liquid net worth
- • Track trends over time rather than absolute numbers
🧮 Popular Financial Calculators
Explore our most popular financial calculators to plan your finances better.
SIP Calculator
Calculate SIP returns
EMI Calculator
Calculate loan EMI
FD Calculator
Calculate FD returns
Home Loan
Calculate home loan EMI
Personal Loan
Calculate personal loan EMI
Income Tax
Calculate income tax
CAGR Calculator
Calculate growth rate
Retirement
Plan retirement corpus
PPF Calculator
Calculate PPF returns
Lumpsum
Calculate lumpsum returns
Inflation
Calculate inflation impact
Mutual Fund
Calculate MF returns
Frequently Asked Questions
What is Net Worth and why is it important?
Net Worth is your total assets minus total liabilities. It's the most important measure of your financial health as it shows your true wealth position. A positive net worth means you own more than you owe, while negative net worth indicates debt exceeds assets.
Should I include my primary residence in net worth calculation?
Yes, include your primary residence at current market value. However, some prefer calculating 'liquid net worth' excluding primary residence since it's not easily convertible to cash. Both approaches are valid depending on your purpose.
How often should I calculate my net worth?
Calculate your net worth quarterly or at least twice a year. This helps track your financial progress and make necessary adjustments to your financial plan. Monthly calculations may show too much volatility due to market fluctuations.
What value should I use for my investments?
Always use current market value for investments. For mutual funds, use the latest NAV. For stocks, use current market price. For real estate, use recent comparable sales or professional valuation, not purchase price.
Should I include insurance policies in assets?
Include only the surrender value of ULIP and endowment policies, not the sum assured. Term insurance has no surrender value so shouldn't be included. The surrender value is what you'd get if you exit the policy today.
How do I value my business or partnership?
Business valuation can be complex. Use recent valuation reports, or estimate based on revenue multiples, asset values, or comparable business sales. For partnerships, use your ownership percentage of the total business value.
What's a good net worth for my age?
A rough rule is net worth should equal your age × annual income ÷ 10. For example, a 30-year-old earning ₹10 lakh should target ₹3 lakh net worth. However, focus on consistent growth rather than comparing with others.
Should I include EPF and PPF in net worth?
Yes, include EPF and PPF at current balance value. These are your assets even though they have lock-in periods. They contribute to your long-term financial security and should be part of net worth calculations.
How do I improve my net worth?
Increase net worth by: 1) Increasing income and savings rate, 2) Investing in appreciating assets, 3) Paying down high-interest debt, 4) Avoiding lifestyle inflation, 5) Regularly reviewing and rebalancing your portfolio.
What if my net worth is negative?
Negative net worth is common early in career due to education loans or home loans. Focus on: 1) Paying high-interest debt first, 2) Building emergency fund, 3) Starting systematic investments, 4) Increasing income through skills development.