Net Worth Calculator
Calculate your total net worth by tracking all assets and liabilities.
Assets (What You Own)
Liabilities (What You Owe)
Your Net Worth
₹27.50 L
fair
D/A Ratio: 55.6%
Fair — focus on paying down debt and growing investments.
Assets vs Liabilities
Asset Mix
Liability Mix
About the Net Worth Calculator
Net worth is the single most important number in personal finance - it tells you where you actually stand, not where you think you stand. Most Indians focus obsessively on monthly salary while ignoring the balance sheet: total assets minus total liabilities. A person earning ₹20L/year with no investments and a ₹50L loan has a lower net worth than someone earning ₹10L who has been systematically investing for a decade.
Net Worth Calculation
Net Worth = Total Assets - Total Liabilities
Assets: savings accounts, FDs, PPF/EPF balance, mutual funds, stocks, real estate (market value), gold, vehicle (depreciated value) · Liabilities: home loan outstanding, car loan, personal loan, credit card debt, any other borrowings
Worked Example
38-year-old with a home, car, and investments
Net Worth = ₹93L - ₹40L = ₹53L · Target at 38 (Thomas Stanley benchmark): Age × Income / 10 = 38 × 15L / 10 = ₹57L
Tips & Insights
- 1
Track net worth quarterly - the direction and trend matter more than the absolute number.
- 2
Include EPF and PPF balances - they are assets most people forget in the tally.
- 3
Use market value for real estate, not cost price. And be realistic - illiquid assets are worth less in a crunch.
- 4
Vehicles depreciate 10-15% per year - a car bought for ₹10L is worth ₹4-5L after 5 years.
- 5
Net worth growth of 10-15% annually is a healthy benchmark for someone in wealth accumulation phase.
- 6
High income does not guarantee high net worth - lifestyle inflation is the greatest destroyer of wealth.
Why this matters for you
Research consistently shows that high earners who track net worth build more wealth than those who do not, regardless of income level. Knowing your number creates accountability and reveals hard truths - like how a ₹5L annual car loan payment is quietly destroying decades of compounding that could have funded retirement.