All calculators
Net Worth Calculator
The single number that measures true financial progress: Assets − Liabilities.
Assets
Liabilities
Total assets
₹7,00,000
Total liabilities
₹0
Net worth
₹7,00,000
How it works
Net worth is what you truly own after subtracting what you owe. Track it every 6 months. Rising net worth beats a rising salary — you can earn a lot and still be broke.
The formula
Net Worth = Total Assets − Total Liabilities- Assets
- Cash, deposits, investments, property market value, gold, vehicle resale value
- Liabilities
- Home loan outstanding, personal loan, credit card debt, EMIs due
Worked example
Assets ₹15L (cash ₹2L + investments ₹8L + car ₹5L). Liabilities ₹4L car loan. Net worth = ₹11L. If car falls to ₹3L next year and loan drops to ₹3L, NW = ₹10L — the asset depreciated faster than the loan.
Pro tips
- Value property at conservative resale price, not the price you paid or 'ask'.
- Cars, electronics, and gadgets are depreciating assets — track them realistically.
- Aim for financial independence when: Net Worth (excluding home) ≥ 25 × annual expenses.
- Track two ratios: liquid net worth (excluding property) and investable net worth.
Common mistakes
- Counting future salary or bonuses as 'assets'.
- Ignoring hidden liabilities: EMIs on credit-card purchases, buy-now-pay-later, informal loans.
- Chasing 'net worth' by taking on more debt for depreciating assets.
Go deeper
Related lessons
Concepts to explore
Liquid net worthFinancial independence (FI)Balance sheet vs cashflow
Results are illustrative and do not include taxes, fees, or slippage. This is educational content — not investment, tax, or legal advice.