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
Liabilities
Asset mix
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.
FAQ
Should I include my home as an asset?
Yes — at current market value (not purchase price). Real estate is illiquid but real wealth. The liquidity ratio we compute excludes it precisely because you can't sell it overnight.
How often should I update net worth?
Once a quarter is plenty for most. Markets and EPF don't move enough month-to-month to matter. The discipline of looking at the snapshot is more useful than the precision of the number.
My net worth is decreasing despite saving — why?
Three common culprits: (1) market drawdown on equity / mutual fund holdings; (2) car / electronics depreciation; (3) credit card balance drift. The third is worth attacking — interest at 36-42% APR shrinks net worth fast.