Net Worth Calculator

Enter what you own and what you owe. The total updates as you type. No sign-up, and nothing you enter leaves your browser.

How this is calculated

The arithmetic is deliberately simple, and it is the same calculation any financial planner would use:

An asset is anything you own that has resale or redemption value today. A liability is any outstanding amount you still owe. The difference is your net worth — what would remain if you liquidated everything and cleared every debt.

Getting the inputs right

Most wrong answers come from wrong inputs rather than wrong arithmetic. Four things to watch:

• Use current value, not purchase price. A flat bought for ₹45 L in 2016 is not a ₹45 L asset today. Use what it would realistically sell for now.
• Count the property and the loan separately. Enter the full market value as an asset and the outstanding home loan as a liability. The calculator nets them into equity for you — do not pre-subtract.
• Include EPF, PPF and NPS. They are illiquid, not imaginary. Leaving them out understates most salaried households substantially.
• Do not count term insurance as an asset. Pure protection policies have no surrender value. Traditional endowment or ULIP policies do — use the surrender value, not the sum assured.

For a fuller walkthrough with a worked example, see How to Calculate Your Net Worth in India. For the retirement side specifically, see EPF vs PPF vs NPS. To track the number month by month instead of once, download the net worth tracker Excel template.

Why one number is not enough

A net worth figure on its own tells you very little. The same ₹80 L means something entirely different depending on whether it was ₹60 L or ₹95 L a year ago. The useful signal is the direction and rate of change — which requires recording the number repeatedly over time, not calculating it once.

That is the gap this calculator cannot fill, and it is what Finworthly exists to do: keep the dated history so the trend is real rather than reconstructed from memory.

Common questions

What is the formula for net worth?

Net worth = total assets − total liabilities. Everything you own at its current value, minus everything you owe. There is no adjustment for income, age or expenses — those change the number over time, but they are not part of the calculation.

Is my salary included in net worth?

No. Salary is income, not an asset. It raises your net worth only through what you keep: the balance left in your account, the SIP you funded, the loan principal you repaid. Someone earning ₹50 L a year who spends all of it can have a lower net worth than someone earning ₹15 L who has been saving for a decade.

Should EPF and PPF be counted?

Yes. EPF, VPF, PPF and NPS are assets you own, even though you cannot withdraw them freely yet. For most salaried Indian households they are the single largest line on the balance sheet, and leaving them out understates net worth substantially. Lock-in affects liquidity, not ownership.

Is term insurance an asset?

No. Pure term cover pays out only on a claim, so it has no present value to you and does not belong in the total. Policies with a surrender value — endowment, money-back and ULIPs — do count, at their current surrender or fund value rather than the sum assured.

How do I value a house I live in?

Include it at a defensible estimate of current market value, and subtract the outstanding home loan as a liability. The difference is your equity in the property, which is what actually belongs to you. Circle rate or a recent comparable sale in the same building are both reasonable bases — pick one and stay with it, because consistency matters more than precision when you are tracking a trend.

How do I value gold jewellery?

Apply the current gold rate to the weight, then deduct making charges, since those are not recoverable on sale. Valuing jewellery at what you paid for it overstates the asset, sometimes by a wide margin.

What is a good net worth in India?

There is no official benchmark by age for India. The nearest authoritative source is the NSO All India Debt and Investment Survey, whose most recent published figures are as on 30 June 2018, and most by-age figures circulating online are imported from US data that does not describe Indian households. A more useful question than “is this good” is whether the number is rising faster than inflation, which is something only a tracked series can answer. We set out what the official data does and does not support in average net worth in India.

Does this calculator store what I enter?

No. The calculation runs entirely in your browser and nothing is sent to a server or saved. Closing the tab discards it, which is also why it cannot show you a trend — for that you need somewhere the history is kept.