Net Worth Calculator

Net worth is the difference between your total assets (what you own) and total liabilities (what you owe). It provides a comprehensive snapshot of your financial health at a given point in time and is the single most important metric for tracking your financial progress.

Tracking net worth regularly — ideally quarterly or annually — helps you understand whether you are building wealth, stagnating, or losing ground. A consistently growing net worth indicates sound financial management.

Net Worth = Total Assets - Total Liabilities

Common assets include:

• Bank deposits, FDs, and savings
• Mutual fund and stock investments
• EPF, PPF, and NPS balances
• Real estate (current market value)
• Gold and other precious metals
• Business ownership value

Common liabilities include:

• Home loan outstanding
• Car loan, personal loan, education loan
• Credit card debt
• Any other borrowed amount

• Step 1: List all your assets and their current market values
• Step 2: List all your liabilities with outstanding balances
• Step 3: The calculator computes your total net worth and provides a visual breakdown
• Step 4: Track changes over time to measure your financial progress

While net worth is highly personal, some general benchmarks for urban professionals in India:

• Age 30: Net worth equal to 1-2x your annual income
• Age 40: Net worth equal to 4-6x your annual income
• Age 50: Net worth equal to 8-12x your annual income
• Age 60: Net worth equal to 15-20x your annual expenses (retirement readiness)

These are rough guidelines — actual targets depend on your lifestyle, location, goals, and family obligations.