Net worth calculator
Your net worth is everything you own minus everything you owe. Fill in what applies below — every category that matters in India is here, including the ones people forget, like EPF and jewellery. It's worked out in your browser: nothing you type is sent anywhere, including to us.
What you own
What you owe
Assets minus liabilities. Fill in anything above to start.
The net worth formula
Net worth = Assets − Liabilities
That's the whole of it. Every disagreement about someone's net worth is a disagreement about what goes on each side and what it's worth today — never about the arithmetic.
What counts as an asset
- Mutual Funds — equity, debt and hybrid funds, at today's nav
- Equity — indian shares, at today's price
- Foreign / US Equity — us stocks and etfs, converted to rupees
- Crypto — at today's price, not what you paid
- Fixed Income — ppf, epf, fds, nps, bonds, small savings
- Gold & Silver — gold and silver funds, etfs and sgbs
- Bank Account & Cash — savings, current accounts and cash in hand
- Real Estate — market value today — not the purchase price
- Physical Gold & Jewellery — jewellery and coins, at today's gold rate
- Alternate Investments — angel bets, esops, aif and pe commitments
- Private Business — your share of a business you own
- Others — anything that doesn't fit above
What counts as a liability
- Home Loan — outstanding balance — not the amount you borrowed
- Loan Against Property — outstanding balance
- Vehicle Loan — outstanding balance
- Personal Loan — outstanding balance
- Credit Card Outstanding — what you currently owe, not your limit
- Education Loan — outstanding balance
Four things that make the number wrong
- Subtracting the same loan twice. Entering a flat at "value minus the home loan" and then listing the home loan again is the most common error, and it can knock tens of lakhs off a real net worth. Count the property gross; subtract the loan once, on the other side.
- Using what you paid instead of what it's worth. Purchase price is history. Property, gold and equity all count at today's value — that's the entire point of the number.
- Counting the EMI as the debt. What you owe is the outstanding balance, not the monthly instalment and not the amount you originally borrowed.
- Leaving out EPF, PPF and jewellery. Illiquid isn't the same as not owned. For most salaried people in India the retirement balances alone are a large share of the total, and they're the most commonly forgotten line.
A worked example
| Flat in Pune (market value today) | ₹1,10,00,000 |
| Mutual funds and Indian equity | ₹42,00,000 |
| EPF and PPF | ₹28,00,000 |
| Bank balance and FDs | ₹9,00,000 |
| Jewellery at today's gold rate | ₹6,00,000 |
| Assets | ₹1,95,00,000 |
| Home loan outstanding | −₹37,00,000 |
| Credit card outstanding | −₹80,000 |
| Liabilities | −₹37,80,000 |
| Net worth | ₹1,57,20,000 |
Note the flat is counted at ₹1.10 crore and the loan subtracted separately — not ₹73 lakh "net of the loan" with the loan also listed below.
Common questions
- What is the net worth formula?
- Net worth = total assets − total liabilities. Assets are everything you own at today's value; liabilities are everything you still owe.
- Should I use the purchase price or the current value of my property?
- Today's market value. Net worth asks what you'd have if you converted everything now, so a flat bought for ₹60 lakh that would sell for ₹1.1 crore counts as ₹1.1 crore. The outstanding home loan is subtracted separately.
- Do I subtract my home loan if I've already counted the house?
- Yes, once. Enter the property at its full market value under assets and the outstanding loan under liabilities. What you must not do is enter the property already net of the loan and then list the loan as well — that subtracts the same debt twice and is the most common mistake.
- Is my EPF or PPF part of my net worth?
- Yes. The balance is yours even though you can't withdraw it freely. Illiquid is not the same as not owned — leaving them out understates most salaried people's net worth badly.
- Does my salary count?
- No. Net worth is a stock, not a flow — what you have, not what you earn. Income is what changes your net worth over time; it isn't part of it.
- How do I count a jointly owned property?
- Only your share of it. A flat worth ₹2 crore owned equally with your spouse adds ₹1 crore to your net worth, and you'd count your half of the home loan against it.
- How often should I recalculate it?
- Once a quarter is plenty by hand. The number only means something as a series — a single figure tells you where you are, a line tells you whether what you're doing is working.
Work it out once. Then stop working it out.
A calculator gives you today's number. Networthy HQ keeps it current — import an NSDL CAS and your demat and mutual-fund holdings price themselves live; add property, gold, PPF and loans once and watch the line move.
Also useful: the free tracker spreadsheet if you'd rather keep it in Excel, where your net worth ranks among adults in India and the world, how much you need to retire, and the return your target needs.
Values you enter are your own estimates — property and unlisted holdings in particular are worth what someone will pay, not what a calculator says. Networthy HQ isn't financial advice — see Terms.