Net Worth Calculator
Add up everything you own and subtract everything you owe to find your net worth — the single clearest measure of your financial health — plus your debt-to-asset ratio.
Assets & Liabilities
What You Own — Assets
What You Owe — Liabilities
Net Worth
₹26,00,000
Assets ₹43,00,000 − Liabilities ₹17,00,000
Total Assets
₹43,00,000
Total Liabilities
₹17,00,000
Net Worth
₹26,00,000
How It Works
Net worth is the most honest one-number summary of your finances: everything you own (assets) minus everything you owe (liabilities). Assets include cash and bank balances, investments (stocks, mutual funds, FDs), retirement savings (EPF, PPF, NPS), real estate, gold and vehicles — valued at current market prices. Liabilities are your outstanding debts: home loan, car and personal loans, and credit-card dues. A positive and growing net worth means you are building wealth; a negative one means you owe more than you own. The debt-to-asset ratio (liabilities ÷ assets) shows how leveraged you are. Net worth is a snapshot, so the real value comes from tracking it yearly — the trend matters far more than the absolute figure. This calculator totals both sides and shows your net worth, ratio and the split between what you own and owe.
Formula
Net worth = Total assets − Total liabilities. Debt-to-asset ratio = Total liabilities ÷ Total assets × 100.
Frequently Asked Questions
How do I calculate my net worth?
Add the current value of all your assets (cash, investments, property, gold, vehicles) and subtract all your liabilities (loans, credit-card dues). The result — positive or negative — is your net worth.
What should I include as assets?
Anything with resale value: bank balances, stocks, mutual funds, FDs, EPF/PPF/NPS, real estate, gold and jewellery, and vehicles. Use current market values, not what you paid.
What counts as a liability?
Every debt you owe: outstanding home, car and personal loans, credit-card balances, and any other borrowings. Use the current outstanding amount, not the original loan value.
What is a good net worth?
There is no universal number — it depends on age, income and goals. What matters most is that your net worth is positive and rising over time. Track it yearly to see the trend.
What is the debt-to-asset ratio?
Total liabilities divided by total assets, as a percentage. A lower ratio means less leverage and more financial cushion. Above ~50% suggests you are carrying a heavy debt load relative to what you own.