Finance · Free tool
Net Worth Calculator
Add up everything you own (assets) and subtract everything you owe (liabilities). We use Indian categories — PPF, EPF, NPS, mutual funds, gold, real estate at current market value, and the usual loan types.
Assets
Savings + cash
Fixed deposits
PPF
EPF
NPS
Mutual funds
Direct stocks
Gold (physical + SGB)
Real estate (current value)
Vehicles
Crypto
Other assets
Liabilities
Home loan outstanding
Car loan outstanding
Personal loan
Education loan
Credit card dues
Other liabilities
Net worth
₹40,25,000
Total assets₹75,50,000
Total liabilities₹35,25,000
Liquid assets₹12,50,000
Liquidity ratio0.35×
Asset mix
Real estate (current value)
66.2%₹50,00,000
EPF
10.6%₹8,00,000
Mutual funds
7.9%₹6,00,000
PPF
6.6%₹5,00,000
Fixed deposits
2.6%₹2,00,000
Direct stocks
2.6%₹2,00,000
Gold (physical + SGB)
2.0%₹1,50,000
Savings + cash
1.3%₹1,00,000
Tips for accurate values
- Real estate: use current market value, not purchase price. Property index sites give a rough sense.
- EPF / PPF: use the latest balance from EPFO portal / passbook.
- Gold: grams × current 24K rate; SGBs at market price.
- Vehicles: resale value, not insured value.
- Liabilities: outstanding principal as of today, not the original sanction.
Liquidity ratio
We compute liquid assets ÷ total liabilities. Greater than 1 means you could clear all debt by liquidating MFs/FDs/stocks. Less than 0.3 is a yellow flag.