Net Worth Calculator
Add up everything you own and subtract what you owe to find your true net worth.
Net Worth Breakdown
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How net worth is calculated
Your net worth is the single clearest measure of your financial health — it is everything you own minus everything you owe. Tracking it once or twice a year shows whether you are actually building wealth or just earning and spending.
Tips to grow your net worth
Value real estate, gold and vehicles at what you could realistically sell them for today — not what you paid. This keeps your net worth honest.
Credit card and personal loan debt erodes net worth fastest. Clearing them gives a guaranteed, tax-free return equal to the interest rate.
Recalculate every 6–12 months. A rising trend confirms your savings and investments are outpacing your borrowing and spending.
Frequently asked questions
What is a good net worth in India?
There is no single number — it depends on your age, income and city. A common benchmark is that by your 40s your net worth should be roughly 2–3 times your annual income, and growing each year. The most important signal is the trend: a net worth that rises year over year means you are building wealth.
Should I include my home in net worth?
Yes. Include the current market value of your home as an asset, and the outstanding home loan balance as a liability. The difference (your home equity) is part of your net worth. Some people also track "liquid net worth" separately by excluding property they live in.
What is the difference between assets and liabilities?
Assets are things you own that have monetary value — cash, deposits, mutual funds, stocks, EPF/PPF, real estate, gold and vehicles. Liabilities are amounts you owe to others — home loans, car loans, personal loans, credit card balances and any other debt. Net worth is what remains after subtracting liabilities from assets.
Can net worth be negative?
Yes. If your total liabilities exceed your total assets — common early in life with large education or home loans and few savings — your net worth is negative. This is normal and improves over time as you repay debt and accumulate assets. The goal is to steadily move it positive and keep it growing.
How often should I calculate my net worth?
Once or twice a year is enough for most people. Calculating it too often can be discouraging because markets move daily. Reviewing it annually — for example at the start of a new financial year — lets you see real progress and adjust your savings or investment plan.