Net Worth Calculator
Add up everything you own, take off everything you owe, and see the one figure that sums up where you stand.
Net Worth Calculator
Net worth
₹31,40,000.00
that is about 31.4 lakh
- Total assets₹57,00,000.00
- Total liabilities₹25,60,000.00
- Debt against assets44.91%
Works out in your browser. Nothing you type is sent anywhere.
In short: Net Worth Calculator
Assets of ₹57,00,000.00 against liabilities of ₹25,60,000.00 give a net worth of ₹31,40,000.00. Debt stands at 44.91% of what you own. The figure is a snapshot, so what matters is the direction it moves in over a few years rather than any single reading.
What is Net Worth?
Net worth is the value of everything you own less everything you owe, measured at a single point in time.
How is Net Worth calculated?
Add up cash, deposits, investments, property and gold on one side, and loans and other debts on the other, then subtract the second from the first. The ratio beside it divides what you owe by what you own.
- assetseverything you own, at what it would fetch today
- liabilitieseverything you owe, at today's outstanding amount
A worked example
| Cash, savings and FDs | ₹5,00,000 |
|---|---|
| Mutual funds, shares, schemes | ₹12,00,000 |
| Property and gold | ₹40,00,000 |
| Home, car and other loans | ₹25,00,000 |
| Card dues and other debts | ₹60,000 |
| Result | |
| Net worth | ₹31,40,000.00 |
| Total assets | ₹57,00,000.00 |
| Total liabilities | ₹25,60,000.00 |
| Debt against assets | 44.91% |
Every figure in this table is produced by the same calculation the tool above runs.
How to use this net worth calculator
- Enter cash, savings and deposits you could reach quickly.
- Add investments: funds, shares and scheme balances.
- Add property and gold at roughly what they would fetch today.
- Enter the outstanding balance on every loan, and any other debts.
Questions people ask
Should I include my home if I live in it?
Include it at what it would realistically fetch, and include the outstanding home loan against it. Some people prefer to leave both out, on the grounds that they are not going to sell. Either approach works as long as you keep it consistent between readings.
How do I value gold and jewellery?
Use the going rate for the weight of gold, and take off something for making charges, which you will not get back. Jewellery often fetches noticeably less than its billed value. Valuing it conservatively keeps the figure honest.
What is a healthy debt to asset ratio?
Lower is safer, and a figure that keeps falling is a good sign. A young household buying a first home will show a high ratio, which is normal and should fall as the loan is repaid. What matters is whether it is heading down.
How often should I work this out?
Once or twice a year is enough for the figure to mean something, and more often than that mostly measures market noise. Keeping the same categories each time is what makes the comparison useful.
Accuracy and sources
Estimate only. Not financial or tax advice.
Checked by the Daytoolz team on 16 October 2026. How we check our tools.
Next, people use
- Emergency Fund CalculatorWork out how much cash to keep aside
- Loan Eligibility CalculatorSee the loan a lender may sanction on your income
- Retirement Corpus CalculatorFind the amount you need saved by the day you retire
- Credit Card Payoff CalculatorSee how long a card balance takes to clear at what you currently pay
- SIP CalculatorSee what investing a fixed amount every month could grow to