Net Worth Calculator
Add up everything you own, subtract everything you owe, and see your personal net worth — with your debt-to-asset ratio — live on one screen.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Net worth breakdown
Build a plan to grow your net worth
Our CAs help you cut debt, invest tax-efficiently and track your wealth every year.
Disclaimer: Indicative estimate based on the values you enter. Asset market values change over time; recompute periodically. Not investment advice.
How to track your net worth
Net worth is the single clearest number for your financial health: everything you own minus everything you owe. It is not your income — it is what would be left if you sold every asset and cleared every debt. Track it once a year and watch the number climb.
List your assets
Add current market values — bank balances, investments, EPF/PPF/NPS, property, gold and vehicles.
List your liabilities
Add outstanding balances — home loan, car/personal loans and credit-card dues you still owe.
Subtract
Net worth = total assets − total liabilities. A positive number means you own more than you owe.
Review annually
Repeat every year (or after a big life event) to see whether your wealth is trending up.
Worked example
A typical family enters ₹81 lakh of assets and ₹32.5 lakh of liabilities. Here is how the numbers roll up to a net worth of ₹48.5 lakh and a debt-to-asset ratio of 40.1%.
| Cash & bank | ₹5,00,000 |
| Investments (MF / stocks / FD) | ₹10,00,000 |
| EPF / PPF / NPS | ₹8,00,000 |
| Real estate | ₹50,00,000 |
| Gold & jewellery | ₹5,00,000 |
| Vehicle & other assets | ₹3,00,000 |
| Total assets | ₹81,00,000 |
| Less: Home loan | ₹30,00,000 |
| Less: Car / personal loan | ₹2,00,000 |
| Less: Credit card & other dues | ₹50,000 |
| Total liabilities | ₹32,50,000 |
| Net worth | ₹48,50,000 |
| Debt-to-asset ratio | 40.1% |
Key terms explained
Assets vs liabilities
Assets are things you own that hold value — cash, investments, property, gold, vehicles. Liabilities are what you owe — loans and dues. Net worth is simply assets minus liabilities.
Liquid vs illiquid
Liquid assets (cash, most investments) can be turned into money quickly. Illiquid assets (real estate, some gold) take time to sell. Liquid net worth strips out illiquid items to show what you could access fast.
Debt-to-asset ratio
Total liabilities ÷ total assets × 100. It shows how much of what you own is financed by debt. Below 50% is generally healthy; a falling ratio over time is a good sign.
Review annually
Net worth is a snapshot. Recompute every year — or after a big purchase, salary jump, or loan payoff — to track progress and course-correct early.
Questions people ask
Short answers on Net Worth Calculator. Tap a question to open it.
01What is net worth?
Everything you own minus everything you owe. Assets include bank balances, investments, property at realistic market value, gold, EPF and NPS balances; liabilities include home, car, personal and education loans and credit card outstanding.
02Should I include my home in net worth?
Yes, at a conservative market value, with the outstanding home loan on the other side. A separate liquid net worth figure — excluding the home you live in — is more useful for judging financial flexibility.
03What is a healthy debt-to-asset ratio?
Under 50% is generally comfortable, and under 30% is strong. Young borrowers with a fresh home loan will sit higher, which is fine as long as the ratio is falling year on year.
04How often should I calculate net worth?
Once or twice a year is enough. The number itself matters less than its direction — a net worth rising every year means you are saving faster than your liabilities are growing.
05Should EPF and PPF be counted?
Yes. They are real assets even though they are illiquid. Just remember that a large share of net worth locked in retirement accounts is not available for near-term goals.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.