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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.
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.
Net worth
₹62,00,000
Everything you own, less everything you owe.
Productive assets
₹36,00,000
Deposits, equity, retirement accounts and gold — the assets that generate a return.
Debt against assets
41%
Comfortable leverage. Below 50% is generally considered sound.
Against the age benchmark
74%
The conventional yardstick — age × income ÷ 10 — puts you at ₹84,00,000 for your age and income.
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.
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 assetsEverything you own
At current market value, across every category.
Everything you owe
Outstanding balances, not original loan amounts.
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.
It is a snapshot, not a score of whether you are “winning.” Use consistent values (what the asset would roughly sell for, what you still owe).
Answers about the net worth calculator.
Continue exploring adjacent tools in this topic.
Guides that explain the ideas behind these numbers.
These figures are estimates based on the values and assumptions you enter. Market returns are not guaranteed. Tax, brokerage and other rules can change. Finaura is an educational tool, not personalised financial, tax, investment or legal advice. Confirm important decisions with the relevant institution or a qualified professional.