Net Worth Calculator
Calculate your complete financial picture. Track assets, liabilities, and monitor your net worth growth over time for better financial planning.
Assets (What You Own)
Liquid Assets
₹0
Cash & Bank Accounts
Checking, savings accounts
₹
Emergency Fund
6-12 months expenses
₹
Fixed Deposits
Bank FDs, recurring deposits
₹
Investment Assets
₹0
Stocks & Equity Funds
Direct stocks, mutual funds
₹
Debt Funds & Bonds
Debt funds, corporate bonds
₹
PPF & EPF
Provident fund accounts
₹
Gold & Precious Metals
Physical gold, gold bonds
₹
Cryptocurrency
Bitcoin, Ethereum, etc.
₹
Real Assets
₹0
Primary Residence
Current market value
₹
Investment Properties
Rental properties, land
₹
Vehicles
Cars, bikes current value
₹
Other Assets
₹0
Business Ownership
Private business value
₹
Retirement Accounts
NPS, pension funds
₹
Other Valuables
Jewelry, art, collectibles
₹
Liabilities (What You Owe)
Mortgage Debt
₹0
Home Loan
Outstanding balance
₹
Property Loan
Other property loans
₹
Consumer Debt
₹0
Credit Card Debt
All credit card balances
₹
Personal Loans
Bank personal loans
₹
Vehicle Loans
Car, bike loans
₹
Other Liabilities
₹0
Education Loan
Student education debt
₹
Medical Debt
Outstanding medical bills
₹
Tax Liabilities
Outstanding taxes
₹
Other Debts
Any other obligations
₹
Your Net Worth
₹56,00,000
12% increase from last year
Total Assets
₹1,55,00,000
Total Liabilities
₹99,00,000
Net Worth
₹56,00,000
Asset Allocation
Debt Analysis
64%
Debt to Asset Ratio
42%
Debt to Income Ratio
12%
Annual Growth Rate
Financial Health Ratios
Liquidity Ratio
4.2
Good
Solvency Ratio
36%
Fair
Savings Rate
22%
Good
Emergency Fund Coverage
8 months
Excellent
Wealth Comparison
Financial Health Recommendations
- Reduce credit card debt by paying more than minimum
- Build emergency fund to cover 6 months of expenses
- Consider debt consolidation for high-interest loans
- Increase retirement savings by 5% of income
Net Worth History
| Date | Assets | Liabilities | Net Worth | Change |
|---|
About Net Worth Calculator
Net worth is the single most important measure of your financial health. It represents what you own (assets) minus what you owe (liabilities). Tracking net worth helps you make better financial decisions and measure progress toward financial goals.
How Net Worth is Calculated
1
List All Assets
Assets = Cash + Investments + Real Estate + Vehicles + Other Valuables
Use current market value, not purchase price
2
List All Liabilities
Liabilities = Mortgages + Loans + Credit Card Debt + Other Debts
Use current outstanding balances
3
Calculate Net Worth
Net Worth = Total Assets - Total Liabilities
Positive = Net wealth, Negative = Net debt
4
Analyze Ratios
Debt-to-Asset = Liabilities ÷ Assets × 100
Liquidity Ratio = Liquid Assets ÷ Monthly Expenses
Types of Assets
Liquid Assets
- Cash: Physical cash on hand
- Bank Accounts: Checking, savings
- Money Market: Liquid mutual funds
- Fixed Deposits: Time deposits
- Emergency Fund: 6-12 months expenses
Investment Assets
- Stocks: Individual company shares
- Mutual Funds: Equity, debt funds
- Bonds: Government, corporate
- Retirement Accounts: PPF, EPF, NPS
- Gold: Physical, bonds, ETFs
Real Assets
- Primary Residence: Home you live in
- Investment Property: Rental real estate
- Land: Vacant plots
- Vehicles: Cars, bikes, boats
- Business Equity: Private business value
Personal Assets
- Jewelry: Gold, diamonds, gems
- Collectibles: Art, antiques, coins
- Electronics: High-value items
- Furniture: Premium furniture
- Other Valuables: Anything of value
Types of Liabilities
Secured Debt
- Mortgages: Home loans
- Auto Loans: Vehicle financing
- Property Loans: Real estate loans
- Secured Loans: Collateral-backed
- Margin Debt: Investment loans
Unsecured Debt
- Credit Cards: Revolving debt
- Personal Loans: Signature loans
- Student Loans: Education debt
- Medical Debt: Healthcare bills
- Payday Loans: Short-term loans
Other Liabilities
- Tax Liabilities: Unpaid taxes
- Legal Judgments: Court-ordered debt
- Alimony/Child Support: Family obligations
- Business Debt: Company liabilities
- Other Obligations: Any other debts
Financial Health Benchmarks
| Financial Metric | Poor | Fair | Good | Excellent |
|---|---|---|---|---|
| Net Worth | Negative | 0 to 1× Income | 1 to 3× Income | 3+× Income |
| Debt-to-Asset Ratio | > 80% | 60-80% | 40-60% | < 40% |
| Emergency Fund | < 1 month | 1-3 months | 3-6 months | 6-12 months |
| Savings Rate | < 10% | 10-15% | 15-20% | > 20% |
| Liquidity Ratio | < 1 | 1-3 | 3-6 | > 6 |
Improving Your Net Worth
- Increase Assets: Save more, invest wisely, grow income streams
- Decrease Liabilities: Pay off high-interest debt first, avoid new debt
- Track Regularly: Update net worth monthly or quarterly
- Set Goals: Aim for 10-15% annual net worth growth
- Automate Savings: Set up automatic transfers to investment accounts
- Reduce Expenses: Cut unnecessary spending, optimize lifestyle
- Increase Income: Pursue promotions, side hustles, passive income
Note: Net worth is a snapshot of your financial position at a specific time. It fluctuates with market conditions, property values, and debt payments. Focus on the long-term trend rather than short-term fluctuations. This calculator provides estimates - always verify values with official statements and professional appraisals where necessary.