What is a Net Worth Calculator?

A Net Worth Calculator helps you calculate the difference between what you own (assets) and what you owe (liabilities). Your net worth is a snapshot of your current financial health and helps you understand where you stand financially.

This tool is ideal for anyone in India who wants to assess their money situation — whether you’re just getting started or preparing for a big financial move like a home loan or investment.

🛠️ How to Use:

1. Fill in your assets — like cash, investments, property, etc.

2. Enter your liabilities — like loans, credit card debt, outstanding dues.

3. The calculator auto-categorizes them and calculates:

   • Total assets

   • Total liabilities

   • Your net worth (assets – liabilities)

   • % of your net worth that is in liabilities

🧠 Why Track Your Net Worth?

Tracking your net worth:

• Keeps you financially accountable

• Helps track progress toward goals

• Shows your asset vs debt ratio clearly

Tip: A positive and growing net worth is a great sign of long-term wealth creation.

📈 Example:

• Assets: ₹25 Lakhs (FDs, MF, Real Estate)

• Liabilities: ₹8 Lakhs (home loan, credit cards)

✅ Net Worth = ₹17 Lakhs
✅ Liabilities = 32% of your assets

🙋 Frequently Asked Questions

Q1: Is a negative net worth bad?
A: It means you owe more than you own — not unusual early in career, but must be fixed over time.

Q2: How often should I check my net worth?
A: Once every quarter or during major financial milestones.

Q3: Does this include assets like gold or PF?
A: Yes, you should include all financial, physical, and retirement assets.