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.

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.