Net Worth Calculator
Measure Your Financial Health with Net Worth
Your net worth is a snapshot of your financial health, showing the difference between what you own (assets) and what you owe (liabilities). Our Net Worth Calculator helps you assess your wealth by totaling your assets—like savings, investments, and property—and subtracting liabilities, such as loans or credit card debt. Whether you’re planning for retirement, tracking progress, or seeking a loan, this tool provides clarity on your financial standing.
Start by entering your assets: cash and savings (bank accounts, FDs), investments (stocks, mutual funds, PPF), property (market value of real estate), and other assets (vehicles, jewelry). Then, input your liabilities: outstanding home loan, car loan, credit card debt, and other loans (e.g., personal loans). Enter 0 for any category that doesn’t apply. The calculator computes your total assets, total liabilities, and net worth, breaking down each category to show where your wealth lies.
Net worth reveals your financial progress. For example, with ₹10 lakh in savings, ₹15 lakh in investments, ₹50 lakh in property, ₹5 lakh in other assets, and liabilities of ₹20 lakh (home loan) and ₹2 lakh (credit card), your net worth is ₹58 lakh (₹80 lakh assets - ₹22 lakh liabilities). A negative net worth, like ₹5 lakh assets and ₹10 lakh liabilities, signals a need to reduce debt. Track your net worth yearly—paying off ₹1 lakh debt or gaining ₹2 lakh in investments boosts it directly. Adjust inputs to reflect changes, like a new car or loan repayment.
Building net worth requires strategy. Pay off high-interest debt (e.g., credit cards at 36% p.a.) to free up funds for investments. Invest in appreciating assets like mutual funds or real estate, but diversify to manage risk. Reassess asset values periodically—property or gold prices fluctuate. Maintain an emergency fund (3-6 months of expenses) to avoid new debt. This calculator helps you monitor progress, but consult a financial advisor for complex assets, like unlisted shares, or tax implications. A high net worth also improves loan eligibility, aiding big goals.
Your net worth is more than a number—it’s your path to financial freedom, from a secure future to a dream lifestyle. This calculator empowers you to take control. As of April 2025, with rising asset values and debt costs, understanding your net worth is crucial. Input your details, track your wealth, and plan your next steps. Let this tool guide you toward financial strength, ensuring every asset builds a brighter tomorrow.