Net Worth Calculator

A net worth calculator helps you measure your true financial standing by subtracting what you owe from what you own. Unlike monthly income or savings rate, your net worth is the definitive snapshot of how much wealth you have actually built — regardless of how much you earn. Tracking it regularly is one of the most important habits in personal finance.

Net worth has two components. Assets are everything of value you own: cash and bank savings, fixed deposits, mutual funds, stocks, EPF, PPF, NPS balance, real estate, gold, jewellery, and vehicles. Liabilities are the outstanding amounts you owe: home loan balance, car loan, personal loan, credit card dues, and any other borrowings. The difference between the two is your net worth.

For Indian households, tracking net worth is particularly relevant because wealth tends to be concentrated in illiquid assets like real estate and gold, alongside growing financial assets in EPF, PPF, and mutual funds. Many families carry significant home loan liabilities that offset their asset value. A net worth calculation reveals the full picture — not just the value of what you own, but what you actually keep after clearing your debts.

The value becomes clear over time. If you calculate your net worth today and again in six months, the movement tells you whether your financial decisions are working. Growing net worth means your assets are growing faster than your liabilities — the hallmark of sound financial planning. A shrinking net worth, even with a good income, is a signal to review your spending, debt, and investment habits.

If you are also tracking your monthly finances, the Budget Calculator can show you how much of your income is available to build wealth each month, while the Retirement Calculator can show you how much net worth you will need by the time you stop working.

1. Enter your Cash & Bank Savings — include the total balance across all savings accounts, current accounts, and cash held at home. Include emergency fund amounts here.

2. Add Fixed Deposits — enter the current maturity value of all FDs held at banks, post offices, or NBFCs, including accrued interest. Use the current value, not the original deposit amount.

3. Add Mutual Funds & Stocks — enter the current market value (NAV × units) of all mutual fund investments and the current market price of any equity holdings. Check your Groww, Zerodha, or CAMS account for the exact figure.

4. Enter EPF / PPF / NPS balance — use the total balance from your EPF passbook, PPF account statement, and NPS account. If you have both EPF (employee + employer) and PPF, add them together. Use our Savings Goal Calculator to project what this will grow to at retirement.

5. Add Real Estate Value — enter the estimated current market value of any property you own. For the primary home, use comparable sale prices in your locality, not the registration value.

6. Enter Gold & Jewellery — use the current gold market rate multiplied by the weight of your gold holdings. Include the gold component of jewellery but be conservative about making charges and craftsmanship value.

7. Fill in your Vehicle Value — enter the current resale value, not the purchase price. Check platforms like CarDekho or OLX for current prices for your vehicle model and year.

8. Add any Other Assets — include recurring deposits, NSC, SCSS, or any other financial instruments not listed above.

9. Enter all outstanding loan balances — include the remaining principal on your home loan, car loan, personal loan, and credit card outstanding. These are available on your loan account statements or monthly EMI emails.

10. Read your results — the Net Worth figure in the result panel updates instantly. If it is positive and growing, your financial plan is on track. If it is negative or lower than expected, the Asset Breakdown helps you identify where to focus next.