Net Worth Calculator
Add up what you own and what you owe, in as much detail as you like. Tracking this number once a year is one of the simplest habits in personal finance.
Assets
Liabilities
Investable net worth excludes real estate and other non-financial assets (vehicles, business interest), and nets off all liabilities other than your home loan — a closer read on what's actually available to invest toward your goals.
Illustrative only. Figures you enter here aren't saved or sent to me automatically — this stays a private, on-page calculation unless you choose to download your summary.
Net worth is the single number that sums up your entire financial position: everything you own, minus everything you owe. Add up your assets — bank balances, fixed deposits, mutual funds, PPF/EPF/NPS, gold, property, vehicles — and subtract your liabilities — home loan, car loan, personal loan, credit card outstanding — and you get a clear, honest snapshot of where you stand today.
Tracking this number once or twice a year, rather than obsessing over it monthly, is one of the simplest and most useful habits in personal finance. It tells you whether your decisions over the past year actually moved you forward, regardless of how any single investment performed. Enter your numbers below — nothing you enter is saved or sent anywhere unless you choose to download your summary.
Frequently asked questions
What is net worth and how is it calculated?
Net worth is the value of everything you own (assets) minus everything you owe (liabilities). It's calculated as Total Assets − Total Liabilities, giving a single number that reflects your overall financial position at a point in time.
Should I include my home in my net worth calculation?
Yes, your primary residence is usually included at its current market value, with any outstanding home loan subtracted as a liability. Some people also track an “investable net worth” separately, excluding the home and the loan tied to it, since that's the portion actually available to fund other goals.
What counts as a liability?
Any money you owe — home loans, car loans, personal loans, credit card outstanding balances, and any other borrowings. These are subtracted from your assets to arrive at net worth.
How often should I recalculate my net worth?
Once or twice a year is usually enough to see meaningful movement, since asset values and loan balances don't shift dramatically month to month. Recalculating too often mostly just adds short-term market noise without giving you a clearer picture.
Is a negative net worth a problem?
A negative net worth (more liabilities than assets) is common earlier in life — for instance, soon after taking a home loan or while repaying an education loan. What matters more is the trend over time: whether it's improving as you pay down debt and build assets.
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