Your net worth is the clearest single number for your financial health: everything you own minus everything you owe.
Log in or create a free account to save your inputs and results, so you don't have to enter them again next time.🔒 No spam, ever. We never sell or share your details, and you can delete your history or account at any time. Privacy policy
Fill in the details and click Calculate to see your results.
This calculator is also in our free app. Sign in with the same account to keep your history in sync.
List your assets at today's market value — bank balances, deposits, mutual funds and shares, retirement savings like EPF, PPF and NPS, gold, property and vehicles — and your liabilities at the amount still outstanding. The difference is your net worth.
The calculator also shows your debt-to-asset ratio, net worth without the home you live in, how many months of expenses your liquid money covers, and compares you with the rule of thumb of age × yearly income ÷ 10.
| Currency | ₹ Indian rupee |
| Cash & savings account | 200000 |
| FDs, RDs & bonds | 300000 |
| Mutual funds & shares | 800000 |
| PF, PPF, NPS & pension | 600000 |
| Gold & silver | 300000 |
| Home you live in (market value) | 0 |
| Other property & land | 0 |
| Vehicles (resale value) | 400000 |
| Business & other assets | 0 |
| Home loan outstanding | 0 |
| Car / bike loan | 200000 |
| Personal & education loans | 0 |
| Credit card & BNPL dues | 20000 |
| Other debts | 0 |
| Monthly expenses (optional) | 50000 |
| Monthly income (optional) | 100000 |
| Age (optional) | 32 years |
| Your net worth | ₹23,80,000 (23.8 lakh) |
| Total assets | ₹26,00,000 (26 lakh) |
| Total liabilities | ₹2,20,000 (2.2 lakh) |
| Debt-to-asset ratio | 8.5% — healthy |
| Net worth without your home | ₹23,80,000 (23.8 lakh) |
| Liquid money (cash, FDs, funds) | ₹13,00,000 (13 lakh) |
| Emergency cover | 26 months of expenses |
| Rule of thumb (age × yearly income ÷ 10) | ₹38,40,000 (38.4 lakh) — you are at 62% |
Net worth ₹23,80,000 (23.8 lakh).
| Currency | ₹ Indian rupee |
| Cash & savings account | 150000 |
| FDs, RDs & bonds | 0 |
| Mutual funds & shares | 1200000 |
| PF, PPF, NPS & pension | 1500000 |
| Gold & silver | 500000 |
| Home you live in (market value) | 9000000 |
| Other property & land | 0 |
| Vehicles (resale value) | 600000 |
| Business & other assets | 0 |
| Home loan outstanding | 5500000 |
| Car / bike loan | 0 |
| Personal & education loans | 0 |
| Credit card & BNPL dues | 0 |
| Other debts | 0 |
| Monthly expenses (optional) | 80000 |
| Monthly income (optional) | 200000 |
| Age (optional) | 40 years |
| Your net worth | ₹74,50,000 (74.5 lakh) |
| Total assets | ₹1,29,50,000 (1.3 crore) |
| Total liabilities | ₹55,00,000 (55 lakh) |
| Debt-to-asset ratio | 42.5% |
| Net worth without your home | ₹39,50,000 (39.5 lakh) |
| Liquid money (cash, FDs, funds) | ₹13,50,000 (13.5 lakh) |
| Emergency cover | 16.9 months of expenses |
| Rule of thumb (age × yearly income ÷ 10) | ₹96,00,000 (96 lakh) — you are at 78% |
₹74,50,000 (74.5 lakh).
A common rule of thumb is age × yearly income ÷ 10: a 30-year-old earning ₹12 lakh a year would aim for about ₹36 lakh. It is a rough guide — what matters most is that your net worth grows every year.
Include it to see your total net worth, but also look at net worth without it, because you cannot spend the home you live in.
Use the current value in your fund statement or app and the balance in your EPF passbook. For gold, use today's price for the weight you hold.
Yes — many young people with education or car loans start negative. Paying down high-interest debt is the fastest way to turn it positive.