Net Worth Calculator
Everything you own minus everything you owe.
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Your result
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Enter your numbers to see the result.
This net worth calculator adds up everything you own, from bank balances and mutual funds to EPF, gold and property, and subtracts everything you owe, such as home, car and personal loans and credit card dues. The result is your net worth, the single best measure of your financial position. It also shows your liquid net worth and debt-to-asset ratio.
What is a Net Worth Calculator?
Net worth is the value of everything you own minus everything you owe. It is a snapshot of your financial health that income alone cannot show: two people with the same salary can have very different net worths depending on how they save, invest and borrow.
A net worth calculator lists your assets and liabilities in one place. Tracking it once or twice a year shows whether you are moving forward, and the breakdown reveals whether your wealth is too concentrated in one asset, such as a house.
How does the Net Worth Calculator work?
The calculator adds all the asset values you enter and all the loan balances, then subtracts liabilities from assets.
Liquid net worth counts only assets you can turn into cash quickly (bank, FDs, mutual funds and shares) minus short-term debts. The debt-to-asset ratio shows what share of your assets is financed by loans.
How to use the Net Worth Calculator step by step
- Enter cash and bank balances and FDs.
- Enter the current value of mutual funds and shares.
- Add EPF, PPF and NPS balances from your statements.
- Add gold, property and vehicles at today’s value.
- Enter all loans and credit card dues outstanding.
- Read your net worth and the breakdown.
Net Worth Calculator example with real numbers
A couple in their late 30s owns a flat worth ₹65 lakh with ₹42 lakh left on the home loan, plus savings, investments, EPF and some gold.
| Example input | Value |
|---|---|
| Cash, FDs, mutual funds | ₹12,50,000 |
| EPF, PPF, NPS | ₹9,00,000 |
| Gold | ₹4,00,000 |
| Home (market value) | ₹65,00,000 |
| Vehicles | ₹5,00,000 |
| Loans and card dues | ₹45,70,000 |
| Example output | Value |
|---|---|
| Your net worth | ₹49,80,000 |
| Total assets | ₹95,50,000 |
| Total liabilities | ₹45,70,000 |
| Liquid net worth (excl. property, retirement) | ₹8,80,000 |
| Debt-to-asset ratio | 47.9% |
| Property share of assets | 68.1% |
The net worth calculator shows a net worth of ₹49,80,000. The debt-to-asset ratio is 47.9%, and property makes up 68.1% of assets, so most of their wealth is tied up in the home.
Key features of this Net Worth Calculator
- Indian asset categories including EPF, PPF, NPS and gold
- Liquid net worth
- Debt-to-asset ratio
- Breakdown table with shares
- Works with partial information
Who should use the Net Worth Calculator?
Who is this Net Worth Calculator for?
- Individuals and couples reviewing their finances
- People applying for large loans
- Investors checking asset allocation
- Anyone starting a yearly money check-up
Practical use cases
- Calculating your net worth for the first time
- Tracking progress each year
- Seeing how much of your wealth is in property
- Preparing for a meeting with a financial adviser
Key benefits
- Big picture: one number for your finances.
- Balance check: see concentration in property or gold.
- Debt awareness: ratio shows borrowing level.
- Private: nothing leaves your device.
Tips for better results
- Use realistic market values, especially for property and vehicles.
- Update once or twice a year on fixed dates.
- Focus on growing liquid net worth, which gives flexibility.
- Pay off high-interest debt first; it raises net worth fastest.
Common mistakes to avoid
- Using the purchase price of property instead of today’s value.
- Leaving out credit card dues or small loans.
- Counting jewellery at selling price instead of buy-back value.
- Comparing yourself with others instead of your own past.
Limitations of this Net Worth Calculator
- Values are your estimates.
- It does not include future pension income or insurance cover.
- Tax on selling assets is not deducted.
Net Worth Calculator vs other ways to calculate
| Measure | Includes property | Shows liquidity |
|---|---|---|
| Net worth | Yes | No |
| Liquid net worth | No | Yes |
| Debt-to-asset ratio | Yes | No |
| Income | No | No |
To plan how to grow your net worth, use the budget calculator and the portfolio rebalancing calculator.
Privacy and data handling
This Net Worth Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
Net Worth Calculator FAQs
How do I calculate my net worth?
Add the current value of everything you own and subtract everything you owe. The calculator does this for you.
Should my house be counted in net worth?
Yes, at current market value, minus the home loan. Also look at liquid net worth, which excludes property.
What is a good net worth for my age?
There is no single standard. A common aim is a rising net worth each year and a growing share in investments rather than debt.
How often should I track net worth?
Once or twice a year is enough for most people.
Is a negative net worth bad?
It is common early in a career or just after a home loan. The goal is to make it rise steadily.
Should I include my car?
You can, at its resale value, but remember that vehicles lose value quickly.
Related tools
Sources and references
We checked the method and the current figures used in this Net Worth Calculator against these official and primary sources:
Written and reviewed by the Qorico Team
