Net Worth Calculator
What you own minus what you owe
Your Net Worth
- Liabilities₹37,70,000(47%)
- Net worth₹42,30,000(53%)
Your items
| Item | Type | Value | Share |
|---|---|---|---|
| Bank savings and FDs | Asset | ₹3,00,000 | 3.8% |
| Mutual funds and shares | Asset | ₹8,00,000 | 10% |
| EPF, PPF and NPS | Asset | ₹6,00,000 | 7.5% |
| Home (market value) | Asset | ₹60,00,000 | 75% |
| Gold | Asset | ₹3,00,000 | 3.8% |
| Home loan | Liability | ₹35,00,000 | 92.8% |
| Car loan | Liability | ₹2,50,000 | 6.6% |
| Credit card dues | Liability | ₹20,000 | 0.5% |
- 1List what you ownSavings, investments, property, gold
- 2List what you oweLoans and unpaid card dues
- 3See your net worthTrack it once or twice a year
How is net worth calculated?
Net worth is a snapshot of your finances: everything you own at today's value, minus everything you owe.
Net worth = total assets − total liabilities
Debt-to-asset ratio = liabilities ÷ assets × 100
What to include
Include savings, FDs, mutual funds, shares, EPF, PPF, NPS, gold and property at today's market value. A car counts at its resale value, not what you paid. Don't include everyday items like furniture or phones.
Track it over time
The number matters less than its direction. Recalculating every six or twelve months shows whether your savings and debt repayments are moving you forward.
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Frequently asked questions
Should I include my home?
Yes, at a realistic market value, along with the home loan as a liability. Some people also track net worth without their home, since they're unlikely to sell it.
Is a negative net worth bad?
It's common early in a career or just after a big loan. Paying down debt and saving regularly moves it upward.
What is a healthy debt-to-asset ratio?
Below about 50% is generally comfortable. Above that, much of what you own is financed by loans.
These results are estimates for planning only, not financial, investment or tax advice. Rates and rules change, and your bank, fund house or employer may calculate slightly differently. Check with them or a qualified adviser before you decide.
Last reviewed: October 2026