List your assets and liabilities to see your true financial position in seconds.
Enter current market value
Enter outstanding balances
Your net worth
₹11,00,000
Assets − Liabilities
Strong balance sheet. Keep building and diversifying.
This is a snapshot at today's values. Your net worth changes as markets move, loans reduce, and savings grow.
Your net worth is the single most important number in personal finance - it tells you where you actually stand. It is calculated by adding up everything you own (assets: cash, investments, EPF, real estate, gold) and subtracting everything you owe (liabilities: home loan, car loan, credit card balances). A positive and growing net worth is a sign of financial health; a negative one means your debts exceed your assets. This calculator lets you enter any combination of assets and liabilities to see your net worth instantly - and you can add custom rows to match your own situation.
Net worth is straightforward: subtract what you owe from what you own.
Net Worth = Total Assets − Total Liabilities
Assets include liquid assets (cash, savings accounts, fixed deposits), investment assets (mutual funds, stocks, PPF, NPS, EPF), physical assets (real estate at current market value, gold, vehicles), and any other valuables.
Liabilities include all outstanding loan balances (home loan, car loan, personal loan, education loan) and revolving credit (credit card outstanding, buy-now-pay-later balances).
Use current market values for assets - not purchase price. For real estate, use what you could sell it for today, not what you paid.
A commonly cited benchmark (from Thomas Stanley's research) is: net worth ≈ age × gross annual income / 10. So at age 30 with ₹10 LPA income, a rough target is ₹30 lakh. However, these are rough guidelines - what matters most is that your net worth is positive and growing year over year.
Yes, but use the current market value and subtract any outstanding home loan. Your home is an asset - but note it is also illiquid. Many financial planners track 'liquid net worth' (excluding primary residence) as a separate metric.
Yes. Your EPF accumulation is your money and should be counted as an asset. You can find the current balance on the EPFO member portal or your payslip.
Once a quarter is a good cadence. Annual reviews tied to your birthday or the financial year end (March 31) also work well. The goal is to track the trend over time, not stress about daily fluctuations.
It means your liabilities exceed your assets. This is common early in life - especially after an education loan or home purchase. The priority should be paying down high-interest debt (personal loans, credit cards) first, while building liquid assets.
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