Net Worth Calculator
Calculate your net worth — total assets minus liabilities.
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Results
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.
What is this Calculator?
The Net Worth Calculator helps you calculate your overall financial position by subtracting your total liabilities from your total assets. Knowing your net worth is the first step to understanding your financial health and setting wealth goals.
How to Use
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Enter Assets: Enter the current value of cash & bank balance, stocks & mutual funds, and real estate.
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Enter Liabilities: Enter outstanding balances of home loan, car loan, and any other debts.
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View Results: See Total Assets, Total Liabilities, and your Net Worth.
Frequently Asked Questions
Net Worth = Total Assets − Total Liabilities. It represents your actual financial position — what you own minus what you owe.
A popular rule of thumb: Net Worth = Age × Annual Pre-Tax Income ÷ 10. E.g., a 35-year-old earning ₹12 lakh/year should target a net worth of ₹42 lakh. This is a guideline, not a strict rule.
Assets include cash, bank deposits, stocks, mutual funds, real estate, gold, EPF/PPF balance, vehicles, business ownership, and any other valuable property.
Liabilities include outstanding loans (home, car, personal, education), credit card dues, business debts, and any other money you owe.
Calculate your net worth at least annually — ideally every 6 months. Tracking it over time helps you see your financial progress and identify areas for improvement.
Your home is an asset only if its market value exceeds your outstanding home loan. If the home loan balance is more than the home's current value, it becomes a liability.