🚀 Advanced
Net Worth Calculator
Calculate your total net worth by listing your assets and liabilities. A clear net worth snapshot is the starting point for any financial plan.
Assets & Liabilities
📈 Assets
📉 Liabilities
Net Worth
₹--
Total Assets minus Total Liabilities
Total Assets--
Total Liabilities--
Debt-to-Asset Ratio--
Financial Health--
Assets vs Liabilities
Assets
Liabilities
Formula
Net Worth = Total Assets − Total Liabilities
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets
A ratio below 0.5 (50%) is considered healthy.
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets
A ratio below 0.5 (50%) is considered healthy.
Net worth is the single most important number in personal finance. Track it annually. A positive and growing net worth means you are building wealth. Negative net worth means you owe more than you own.
Frequently Asked Questions
A rough Indian benchmark: Net Worth = Annual Income × Age ÷ 10. At 30 earning ₹12L/year: target ₹36L net worth. At 40 earning ₹20L/year: target ₹80L. These are starting points — the higher the better.
Yes, at current market value, minus the outstanding loan. However, your primary home is an illiquid asset. Many advisors track 'investable net worth' separately — excluding primary home and vehicle — as a more useful number for retirement planning.
At least annually — ideally every 6 months. Tracking net worth over time is more valuable than a single snapshot. A rising net worth trend means your financial plan is working.