Wealth Tracking

Net Worth Calculator

Track total assets, liabilities, and your net worth snapshot in one place.

About the net worth calculator

Net worth is the cleanest snapshot of financial position: what you own minus what you owe. This calculator totals cash, investments, real estate, vehicles, and other assets, then subtracts home loans, car loans, personal loans, and other liabilities.

Use it for a household balance-sheet review, especially when assets are spread across bank accounts, demat accounts, mutual fund folios, EPF, PPF, NPS, property, and loans. A single number makes it easier to track whether wealth is compounding or debt is dragging the household back.

The result is only as accurate as the valuations entered. Market-linked investments, property, gold, private equity, and business ownership should be refreshed periodically rather than carried at stale purchase values.

How do I use the net worth calculator?

  1. List liquid assets: Enter cash and bank balances, then add investment values such as stocks, mutual funds, bonds, EPF, PPF, and NPS.
  2. Add physical and other assets: Enter realistic current values for real estate, vehicles, gold, private assets, or other items that can reasonably be valued.
  3. Enter secured loans: Use outstanding principal for home loans and car loans, not the original loan amount or total EMIs remaining.
  4. Enter unsecured liabilities: Add personal loans, credit card rollovers, family loans, tax dues, or other obligations that reduce household wealth.
  5. Review the balance sheet: Compare total assets, total liabilities, net worth, and the asset-to-liability ratio to understand leverage and resilience.

How is net worth calculated?

Net worth = total assets - total liabilities

Use current outstanding loan balances and current market values where practical. Purchase price can overstate or understate the real balance sheet.