Net Worth Calculator
Add your assets and liabilities to get your complete financial snapshot.
Total Assets
$0.00
Total Liabilities
$0.00
Net Worth
$0.00
Debt-free — excellent financial position.
Visual Summary
Net Worth = Assets − Liabilities
It is the most complete measure of your financial position. A positive net worth means you own more than you owe. Growing net worth year-over-year — even slowly — is the foundation of long-term wealth building.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the single most comprehensive snapshot of your financial health.
What is a good net worth by age?
A common rule of thumb: your net worth should be roughly (age − 25) × annual income ÷ 5. At 35, with ₹15 lakh/year income, that is around ₹30 lakh. At 45, it would be ₹60 lakh. These are guides, not hard rules.
How often should I calculate my net worth?
At minimum, once a year — ideally every quarter. Tracking it over time reveals your financial trajectory. Growing net worth year-over-year means you are building wealth. Declining net worth is an early warning sign.
Should I include my home in net worth?
Yes, but use your home's current market value minus your outstanding mortgage balance. If your home is worth ₹80 lakh and you owe ₹50 lakh on the mortgage, your home contributes ₹30 lakh to your net worth.
What is the difference between net worth and wealth?
They are often used interchangeably, but 'wealth' sometimes refers only to income-producing assets. Net worth is broader — it includes your home, car, and personal property. Liquid net worth (excluding illiquid assets) is another useful measure.
What assets should I include?
Include all assets with real monetary value: bank accounts, investments, property, vehicles, jewelry, business ownership stakes, and retirement accounts. Don't include sentimental items you wouldn't sell.
Related Calculators