What you own less what you owe, totalled by group, in rupees or dollars, ready to print
Estimates only, not financial advice. What you type stays on your device. Updated on 24 Oct 2026.Net worth is everything you own minus everything you owe. A household with ₹85,50,000 of assets, including a ₹60,00,000 home, and ₹37,40,000 of loans and card balances has a net worth of ₹48,10,000; of that, ₹15,50,000 is in cash, deposits and mutual funds that can be reached without selling anything.
List what you own under Assets: bank balances, investments, retirement accounts, your home and vehicles, at today’s value.
List what you owe under Liabilities: home and vehicle loans, credit cards and any other debt, at today’s balance.
Pick a group for each row; press "Add" for more rows or "Remove" to drop one.
Read your net worth, the totals by group and how much of it is liquid.
Press Print to keep a dated copy and compare it next year.
This calculator adds up what you own and what you owe, row by row, and shows the difference: your net worth. Each row goes into a group, so the page also shows how much sits in cash, investments, retirement accounts, property and vehicles, and how much you owe on home loans, vehicle loans, cards and other debts.
What to count. Assets are things with a value you could turn into money: bank and deposit balances, mutual funds and shares, retirement accounts such as a provident fund, a 401(k) or an IRA, your home and other property, and vehicles. Use today's value: the current balance or statement, a fair resale price for a car, a realistic price for a home rather than what you paid. Liabilities are what you still owe: the outstanding balance on each loan and card, not the monthly payment.
Reading the result. A negative net worth is common early in a career or just after buying a home or finishing a degree with a loan. What matters is the direction from one year to the next. Two further figures help: liquid assets, the cash, deposits and investments you could reach without selling a home or car; and debts as a percent of assets.
Printing and sharing. The Print button prints a dated statement of the groups and totals, and the share link carries every row, so you can keep a copy and redo it next year. Nothing is uploaded: the rows stay in your browser.
What it does not do. It does not subtract the tax you would pay on selling an asset or withdrawing from a retirement account, selling costs, or loan prepayment charges, and it does not value anything for you. The ₹ / $ choice changes only the symbol and digit grouping; no exchange rate is applied.
Add up the current value of everything you own, then subtract everything you still owe. A household with ₹85,50,000 of assets and ₹37,40,000 of loans and card balances has a net worth of ₹48,10,000. Use today's values and outstanding balances, not the price paid or the monthly payments.
A home you own is an asset and belongs in the total at a realistic market value, with the home loan counted as a liability against it. Because a home is hard to turn into cash, the calculator also shows liquid assets separately: cash, deposits and investments that can be reached without selling it.
A liability is any money you owe: the outstanding balance on a home loan, a car or two-wheeler loan, an education loan, a personal loan, credit card balances and money owed to family. Enter the balance still due today, not the original loan amount and not the monthly instalment.
A negative figure means debts exceed assets, which is common after a large education loan or early in a home loan, when the balance is close to the price. The trend matters more than one reading. Recalculating once a year shows whether repayments and savings are moving the number up.
Retirement savings such as a provident fund, NPS, a 401(k) or an IRA are assets you own and are usually counted. Withdrawals may be taxed or restricted until a certain age, so some people also track net worth without them. The calculator shows retirement accounts as their own group so both figures are easy to read.
No. The rows are worked out in your browser and remembered only on this device, so they are there when you return. Nothing is sent to a server. A share link carries the rows inside the address itself, so only share it with someone you would show the numbers to.
Formula only: no rates or limits are read from an official source.
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