Should I include the home I live in?

Include it, since the loan is counted as a liability. But it cannot fund retirement while you live in it, which is why it is excluded from the productive-assets figure.

My net worth is negative. How bad is that?

It depends on the debt. An education or home loan turning it negative usually resolves itself. Credit card and personal loan debt at 14% to 42% is a genuine problem.

How does the age benchmark work and should I trust it?

Age × annual income ÷ 10. It is harsh on the young, on late starters and on anyone whose income jumped recently. Watch the trend year to year rather than the absolute number.

How often should I recalculate this?

Once or twice a year. Consistency in how you value things matters more than frequency — the trend is what tells you something.

What is the fastest way to increase it?

Assets rising and liabilities falling count equally, so every EMI helps. But the real lever is your savings rate — net worth is the output, not the input.

What should I leave out?

Furniture, electronics and personal effects — they inflate the number without changing any decision. Also leave out expected inheritances and future income.

PlanningUpdated August 1, 2026

Net Worth Calculator

Add up everything you own and everything you owe to get the one number that summarises your financial position — then look at its composition, which is what determines whether that number can actually support you.

How to use this calculator

Step 1
List what you own
Use today's realistic market value, not what you paid. A car is worth its resale price, not its invoice.
Step 2
List what you owe
Outstanding principal on every loan, plus any card balance you are carrying rather than clearing.
Step 3
Add your age and income
Optional, but they turn a bare figure into something you can actually judge against a benchmark.

Quick facts

Net worth: Assets minus liabilities
Healthy leverage: Debt under 50% of assets
Productive assets: The ones that generate a return
Age benchmark: Age × income ÷ 10

What you own

Current market value of everything you hold. Use today's realistic value, not what you paid.

Cash and bank balances

₹

Fixed and recurring deposits

₹

Stocks and mutual funds

₹

EPF, PPF and NPS

₹

Property

₹

Gold and jewellery

₹

Vehicles

₹

Other assets

₹

Total assets₹1,05,00,000

What you owe

Outstanding balances on every loan and card, as they stand today.

Home loan

₹

Car loan

₹

Personal loan

₹

Education loan

₹

Credit card dues

₹

Other debt

₹

Total liabilities₹43,00,000

For context

Optional, but they turn a bare number into something you can judge.

Annual income before tax

₹

Your age

yrs

Age-based benchmarks are rules of thumb. They are harsh on anyone who studied long or started earning late, so treat them as directional.

Net worth

₹62,00,000

Everything you own, less everything you owe.

Total assets: ₹1,05,00,000
Total liabilities: ₹43,00,000
Net worth as a multiple of income: 2.58×
Productive assets: 34.3%

Net worth is the score that matters, but the composition below is what determines whether it can actually support you.

Productive assets

₹36,00,000

Deposits, equity, retirement accounts and gold — the assets that generate a return.

34.3%of total assets

Liquid within days: ₹8,00,000
Depreciating assets: ₹6,00,000

Debt against assets

41%

Comfortable leverage. Below 50% is generally considered sound.

Total owed: ₹43,00,000

Against the age benchmark

74%

The conventional yardstick — age × income ÷ 10 — puts you at ₹84,00,000 for your age and income.

Benchmark net worth: ₹84,00,000
Your net worth: ₹62,00,000

Liquid assets

₹8,00,000

Cash and deposits you could reach within a day or two without a penalty. This is what an emergency actually draws on.

What you own

A concentrated pie is the risk most people miss — one asset falling then takes the whole statement with it.

Property57.1%
Stocks and mutual funds14.3%
EPF, PPF and NPS11.4%
Vehicles5.7%
Fixed and recurring deposits4.8%
Gold and jewellery3.8%
Cash and bank balances2.9%

Your largest holding is property, at 57.1% of total assets.

What you owe

Not all debt is equal. A home loan at 8% and a card balance at 40% belong in different conversations.

Home loan93.0%
Car loan7.0%

Assets against liabilities

The gap between the bars is your net worth.

Net worth grows in two ways: assets rising and liabilities falling. Every EMI you pay does the second automatically.

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How net worth is calculated

The arithmetic is trivial. What makes the statement useful is separating assets that generate a return from ones that only cost you money to keep.

Net worth = Total assets − Total liabilities
Productive share = Invested assets ÷ Total assets
Debt to assets = Total liabilities ÷ Total assets

Total assets

Everything you own

At current market value, across every category.

Total liabilities

Everything you owe

Outstanding balances, not original loan amounts.

Invested assets

Productive holdings

Deposits, equity, retirement accounts and gold — assets that earn a return, as distinct from a home you live in or a car you drive.

Two people with identical net worth can be in completely different positions. One holding ₹80 lakh in index funds and deposits has an asset base that can fund a retirement; one holding ₹80 lakh in the house they live in and two cars does not.

Assumptions

Asset values are what you enter. Property and unlisted holdings are the ones people most often overstate.
Vehicles are treated as depreciating assets that produce nothing, because they are.
The home you live in counts as an asset here, though it cannot fund a retirement without being sold or let.
Provident fund and pension balances are current values, not projected maturity amounts.
The age benchmark is a rule of thumb that is harsh on anyone who studied long or started earning late.
No tax on unrealised gains is deducted, so the figure is gross of what selling would actually cost.

Frequently asked questions

Answers about the net worth calculator.

Include it, but read it carefully. It is genuinely an asset and excluding it distorts the picture, particularly when the matching home loan sits on the liability side. But it is not an asset that can fund your retirement while you are living in it — you cannot spend a bedroom. That is why the productive-assets figure treats it separately. If your home is 70% of your net worth, you are asset-rich in a way that will not pay a single bill, and the answer is not to sell it but to build financial assets alongside it.

Related calculators

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Guides that explain this

Background reading on the ideas behind these numbers.

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This tool is provided for educational purposes only. Results are estimates based on the values you enter and do not constitute financial advice.

Assumptions

Asset values are what you enter. Property and unlisted holdings are the ones people most often overstate.

Vehicles are treated as depreciating assets that produce nothing, because they are.

The home you live in counts as an asset here, though it cannot fund a retirement without being sold or let.

Provident fund and pension balances are current values, not projected maturity amounts.

The age benchmark is a rule of thumb that is harsh on anyone who studied long or started earning late.

No tax on unrealised gains is deducted, so the figure is gross of what selling would actually cost.