Net Worth Calculator

Understand your financial health by calculating your net worth – the true measure of your wealth.

What is Net Worth?

Your net worth is the value of everything you own (your assets) minus everything you owe (your liabilities). It provides a snapshot of your financial position at a specific point in time. Tracking your net worth over time is a great way to measure your financial progress.

Net Worth = Total Assets − Total Liabilities

Assets (What you Own)

Checking, savings, cash on hand
Stocks, bonds, mutual funds, EPF, NPS
Primary home, rental properties
Cars, motorcycles, etc.
Jewellery, collectibles, valuables

Liabilities (What you Owe)

Outstanding balance on home loans
Outstanding education loans
Outstanding car/vehicle loans
Total outstanding balance across all cards
Personal loans, other outstanding debts

Your Financial Snapshot

Total Assets
₹ 0
Total Liabilities
₹ 0
Net Worth
₹ 0

Assets vs Liabilities

Interpreting Your Net Worth

Positive Net Worth

Congratulations! This means your assets outweigh your liabilities. A higher positive net worth generally indicates better financial health. Focus on increasing assets (investing, saving) and reducing high-interest liabilities.

Negative Net Worth

This means your liabilities are greater than your assets. While common early in life (due to student loans or mortgages), it's important to have a plan to address it. Focus on paying down high-interest debt and gradually building assets.

Tracking is Key

Your net worth isn't static. Calculate it periodically (e.g., annually or semi-annually) to track your progress towards your financial goals. Look for trends – is your net worth growing over time?