Net Worth Calculator
Net worth = Total Assets − Total Liabilities. It's the single most important number in personal finance — a snapshot of your financial health. This calculator breaks down your assets (cash, stocks, property, gold, PF) and liabilities (loans, credit card debt) to give you your real net worth.
Frequently Asked Questions
What is a good net worth at different ages?+
A common rule of thumb: net worth should be Age × Annual Gross Salary / 10. At 30 with ₹12L annual salary: target ₹36L. At 40: ₹1.2Cr. These are rough benchmarks — starting late, high EMIs, or living in expensive cities can all shift them. Consistent improvement matters more than hitting an exact target.
Should I include my home in net worth?+
Yes — at current market value (not purchase price). However, your primary home is an illiquid asset you can't easily sell for daily needs. Many financial planners track two numbers: total net worth (including home) and liquid/investable net worth (excluding the primary home). Both are useful.
How often should I calculate net worth?+
Quarterly or semi-annually is ideal. Monthly can feel obsessive and noise-driven (market fluctuations). Annual is too infrequent to catch problems early. Tracking over time shows the trend — consistent growth of 15–20% per year is an excellent long-term trajectory.
What debt-to-asset ratio is healthy?+
Below 30% is generally considered healthy — it means you own 70%+ of your assets outright. 30–50% is moderate (common with active home loans). Above 50% is concerning and suggests focusing on debt reduction before new investments. Credit card debt at 40%+ p.a. should be cleared first regardless of ratio.