Net Worth Calculator
The total, and the two ratios underneath it that matter more.
- Total assets
- ₹1,50,00,000.00
- Total liabilities
- −₹43,50,000.00
- Net worth
- ₹1,06,50,000.00
- Of your assets, how much is liquid or investable
- 20.00%
- Property
- ₹1.00Cr
- Investments
- ₹25.00L
- Retirement
- ₹20.00L
- Cash
- ₹5.00L
Net worth is simply everything you own less everything you owe, and its value is in tracking the direction rather than the number. Two things worth watching in the breakdown. First, the liquid share: a large net worth concentrated in a self-occupied home is not money you can deploy, and a household can be wealthy on paper while being unable to meet a six-month emergency. Second, debt to assets: above 50% leaves little room for a change in income or rates. Value property conservatively — at what it would realistically sell for after brokerage, not at the highest quote in the building — and count your own EPF balance rather than the employer's projected contributions.
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Independent · No commissions · No fund-house data — how the numbers are computed
How it works
Net worth is everything you own less everything you owe. As a single number it is less useful than people expect — its value is in tracking the direction over years, and in the two ratios underneath it that the headline figure hides.
The first is the liquid share. A large net worth concentrated in a self-occupied home is not money you can deploy: a household can look wealthy on paper and still be unable to meet a medical emergency without borrowing.
The second is debt to assets. Above about 50% there is little room for a change in income or in interest rates, and a fall in asset values compounds the problem exactly when refinancing gets harder.
Net worth = cash + investments + retirement corpus + property + other assets - home loan - other loans - credit card dues.Value property at what it would realistically sell for after brokerage rather than at the highest quote in the building, and count your actual EPF balance rather than a projection of future contributions.
Frequently asked questions
Should I include my house in my net worth?
Yes, at a realistic post-brokerage sale value — but watch what share of the total it becomes. A self-occupied home is a place to live before it is an asset: you cannot sell part of it, and selling all of it means finding somewhere else. Tracking net worth both with and without it is a useful discipline, because the second figure is closer to what you could actually deploy.
What is a healthy debt-to-assets ratio?
Under 30% is comfortable, 30% to 50% is manageable if the income is stable, and above 50% leaves very little room for a job loss or a rate rise. The composition matters as much as the level: a home loan at 8.5% against an appreciating asset is a different thing from credit card debt at 40% against nothing at all.
How often should I calculate it?
Once or twice a year is plenty. Net worth moves slowly and mostly through saving rather than returns, so checking monthly mainly measures market noise. What is worth watching annually is the direction, the liquid share, and whether debt is falling as a proportion of assets — three questions the number answers well and the daily balance does not.