Net Worth Calculator
Your personal balance sheet, with dated snapshots to see it grow.
What you own
What you owe
No debts entered.
Your net worth over time
Save a snapshot of today’s totals now and then — every month or quarter — to see how your net worth changes. Snapshots are kept only in this browser.
| Date | Assets | Liabilities | Net worth | Change | Delete |
|---|
Results are estimates for general information and planning, not financial advice. Banks and institutions may calculate differently (rounding, fees, rate changes). Confirm figures with your lender or a qualified adviser before deciding.
About the Net Worth Calculator
Your net worth is everything you own minus everything you owe. List your assets — bank balances, deposits, mutual funds and shares, EPF, PPF and NPS, property, gold and vehicles — and your liabilities: home, car, education and personal loans and credit-card balances. The calculator gives your net worth, your liquid net worth (what is left of your liquid assets once every debt is repaid) and your debt-to-asset ratio, with a breakdown of both sides.
Save a dated snapshot every month or quarter to chart how your net worth changes over time. Your list and snapshots are kept only in this browser — nothing is uploaded — and you can download both as CSV.
How to use it
- Choose the currency, then replace the example values with your own. Enter each asset at what it is worth today: a balance, the current value of investments, or what property, gold or a vehicle would sell for.
- Tick Liquid for the assets you could turn into cash within days. Bank accounts, deposits and listed investments start ticked; retirement savings, property, gold and vehicles do not — change any of them.
- Under Liabilities, enter what you still owe on each loan or card, from your latest statement.
- Read your net worth, liquid net worth and debt-to-asset ratio, and the breakdown of what you own and owe.
- Press Save snapshot to record today’s totals. Come back later, update the values and save another to see the change on the chart.
Examples
Bank ₹2,00,000 · deposits ₹3,00,000 · mutual funds and shares ₹5,00,000 · EPF and PPF ₹4,00,000 · gold ₹2,00,000 · car ₹4,00,000 — car loan ₹2,50,000 · education loan ₹3,00,000 · card ₹30,000
Assets ₹20,00,000 − liabilities ₹5,80,000 = net worth ₹14,20,000 · liquid net worth ₹10,00,000 − ₹5,80,000 = ₹4,20,000 · debt-to-asset 29%
Net worth ₹44,20,000 · liquid net worth −₹40,80,000 — the home is not liquid but its loan is still a debt
1 Apr 2026: ₹10,20,000 · 1 Oct 2026: ₹14,20,000
Net worth rose by ₹4,00,000 — about ₹66,530 a month
Common uses
- Take stock of your finances once a year, or every month.
- See whether paying off a loan or investing more moves your net worth faster.
- Check how much of your wealth is liquid before a big purchase.
- Track progress towards financial independence alongside the FIRE calculator.
What the numbers mean
- Net worth = total assets − total liabilities.
- Liquid net worth = liquid assets − total liabilities: what would be left in cash if you sold your liquid assets and repaid every debt today. It can be negative for anyone with a home loan, because the home is not counted as liquid.
- Debt-to-asset ratio = total liabilities ÷ total assets: the share of what you own that is owed to lenders. 29% means that ₹29 of every ₹100 of assets is borrowed.
Track the direction rather than any single number: the change between snapshots shows whether you are building wealth, and how fast.
How to value each asset
- Bank accounts, FDs, RDs: the balance today (for a deposit, the principal plus interest earned so far).
- Mutual funds, shares, bonds: the current market value from your statement or app.
- EPF, PPF, NPS: the balance in your latest passbook or statement.
- Property and gold: what you could sell for today, not what you paid. Be conservative — a recent sale price nearby, or the weight of gold at the current rate without making charges.
- Vehicles: the resale value, which falls every year.
- Liabilities: the outstanding principal, not the EMI or the total of the remaining EMIs.
Your data stays on this device
The list and the snapshots are saved in this browser’s local storage on this device. They are not uploaded and are not synced to your other devices; clearing the browser’s site data deletes them. Download the snapshots as CSV to keep a copy.
Limitations
- Values are what you enter: the calculator does not fetch market prices or property rates.
- No tax is deducted: selling investments or property may mean capital-gains tax, so what you would actually receive can be lower.
- Snapshots record totals in the currency you chose; snapshots in another currency are listed but not charted with them.
- Saved only in this browser, without a backup — download the CSV to keep a copy.
Privacy
Everything is calculated in your browser. Your list and snapshots are saved only in this browser’s local storage on this device and are never uploaded.
Frequently asked questions
How do I calculate my net worth?
Add up the value of everything you own today — bank balances, deposits, investments, retirement savings, property, gold and vehicles — and subtract everything you owe on loans and cards. For ₹20,00,000 of assets and ₹5,80,000 of debts, your net worth is ₹14,20,000.
What is liquid net worth?
Your liquid assets (cash, bank balances, deposits and investments you could sell within days) minus all your debts. It shows what you could repay from money you can reach quickly. Retirement savings, property, gold jewellery and vehicles are usually left out.
Should I include my house in my net worth?
Yes, at what it would sell for today, with the home loan under liabilities. It counts towards your net worth but not your liquid net worth, because selling a home takes time.
Should I count my EPF and PPF?
Yes — they are your money. Untick Liquid for them, because you can withdraw only under the scheme’s rules.
How often should I track my net worth?
Often enough to see the trend without reacting to daily market moves — for example every month or every quarter. The chart starts with your first snapshot, and the monthly change appears once two snapshots are at least four weeks apart.
Is my data stored online?
No. Everything stays in your browser on this device. Nobody else can see it, and it is not synced to your other devices.