Net Worth Calculator
Know your financial position
Liquid Assets
Cash and bank balances
What is Net Worth?
Net worth is the single most important number in personal finance. It is calculated as Total Assets minus Total Liabilities. Your assets include everything you own that has monetary value — real estate, mutual funds, fixed deposits, gold, savings accounts, and vehicles. Your liabilities include all outstanding debts — home loans, car loans, personal loans, and credit card balances. A positive net worth means you own more than you owe, while a negative net worth signals financial vulnerability.
Why Track Your Net Worth?
Tracking your net worth over time is the most reliable way to measure financial progress. Unlike income, which fluctuates, net worth gives a complete picture of your financial health. Many Indians focus solely on income or savings rate, but ignore the liability side. This calculator breaks down your net worth into liquid net worth (easily accessible assets), debt-to-asset ratio, and provides a visual breakdown of where your wealth is concentrated. It helps identify over-leveraging and guides asset allocation decisions.
How to Use This Calculator
The calculator uses a simple 3-step wizard. Step 1: Enter your assets across categories — real estate, investments, savings, gold, vehicles, and other valuables. Step 2: Enter your liabilities — home loan, car loan, personal loans, credit cards, and other debts. Step 3: View your net worth summary with visual charts showing asset allocation, debt breakdown, and key ratios. You can download a branded PDF report or share the summary on WhatsApp.
Key Terms Explained
Total Assets: The combined market value of everything you own. Total Liabilities: The total outstanding amount of all your debts and obligations. Liquid Net Worth: Net worth excluding illiquid assets like real estate — represents money you can access quickly. Debt-to-Asset Ratio: Liabilities divided by assets; a ratio above 0.5 suggests high leverage. Asset Allocation: The percentage distribution of your wealth across different asset classes like equity, debt, real estate, and gold.