Net Worth Calculator
Add up what you own and subtract what you owe to see a snapshot of your net worth: Total Assets − Total Liabilities. This is a mathematical snapshot of the figures you enter, not a judgment of whether the result is good, bad, or sufficient, and not personalized advice.
Your assets and liabilities
Enter what you own below, then what you owe — figures are in rupees.
Assets
Liabilities
Your snapshot
Total assets of ₹1,13,00,000 minus total liabilities of ₹27,50,000 works out to a net worth of ₹85,50,000. This is a mathematical snapshot of the figures you entered — it does not assess liquidity, tax impact, or risk concentration, and it is not a judgment of whether this figure is good, bad, or sufficient.
Total assets of ₹1,13,00,000 minus total liabilities of ₹27,50,000 works out to a net worth of ₹85,50,000. This is a mathematical snapshot of the figures entered — it does not say whether this figure is good, bad, or sufficient.
Try entering different asset or liability figures to see how net worth changes — see the Retirement Calculator next to explore planning for retirement.
Learn about this calculator
Adds up what you own and subtracts what you owe, for a snapshot of your net worth: Total Assets − Total Liabilities.
Net worth is a simple balance-sheet snapshot: the sum of everything you own (assets) minus the sum of everything you owe (liabilities). It's a single point-in-time figure, not a measure of income, cash flow, or how comfortably you can meet your expenses.
How it works
It adds up the asset figures you enter (investments, property, cash and bank balances, and other assets), adds up the liability figures you enter (home loan, personal loan, credit card dues), and subtracts the second total from the first.
What each input means
- Investments
- The current value of mutual funds, stocks, bonds, and similar holdings.
- Property
- The current market value of real estate you own.
- Cash and bank
- Cash, savings, and current account balances.
- Other assets
- Any other asset with value not covered above — gold, vehicles, etc.
- Home loan
- The outstanding balance owed on a home loan.
- Personal loan
- The outstanding balance owed on a personal loan.
- Credit cards
- Outstanding credit card dues.
What the results mean
- Total assets
- The sum of every asset figure entered.
- Total liabilities
- The sum of every liability figure entered.
- Net worth
- Total assets minus total liabilities — can be negative if liabilities exceed assets.
Assumptions
- Every asset and liability figure is taken exactly as entered — the calculator does not look up or verify any current market value on your behalf.
- This is a snapshot at one point in time; both assets and liabilities can change from day to day.
Limitations
- This calculator does not assess liquidity — how easily an asset could actually be converted to cash.
- It does not account for any tax impact of selling an asset, or for concentration risk in any single asset.
- It does not judge whether a given net-worth figure is good, bad, sufficient, or recommended for your situation — it only performs the arithmetic.
Common mistakes
- Using the original purchase price of property or investments instead of a realistic current market value.
- Forgetting a liability (like an outstanding personal loan or credit card balance) and so overstating net worth.
Example
For example, total assets of ₹1,13,00,000 minus total liabilities of ₹27,50,000 works out to a net worth of ₹85,50,000.
FAQ
Is a higher net worth always better?
This calculator doesn't judge whether a net-worth figure is good, bad, sufficient, or recommended — what matters depends on your own age, goals, and circumstances.
Does this account for how easily an asset could be sold?
No — this is a simple snapshot of assets minus liabilities. It does not assess liquidity, tax impact, or concentration risk.
If you'd like to explore planning for a future goal like retirement, see the Retirement Calculator next.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.