Net Worth Calculator
Everything you own, minus everything you owe, in one honest number.
Net worth is everything you own at today's value minus everything you owe. Value property, gold and vehicles at what they would fetch now, not at what you paid, and use outstanding loan balances rather than original amounts. A debt-to-asset ratio under 30 to 40% is comfortable.
How this is calculated
Year-by-year breakdown
Free net worth calculator for India and the US
Net worth is the one number that tells you whether a year actually went well. Income can rise while net worth stands still, because lifestyle and debt absorb every rupee of the raise. Net worth = everything you own at today's value, minus everything you owe. That is the whole formula, and almost nobody sits down to work it out.
This calculator also gives you two numbers that are more useful than the headline: your liquid net worth, which is what you could actually reach within days without selling property, and your debt-to-asset ratio, which tells you how much of what you own is really the bank's.
How to value each item honestly
| Asset | Value it at |
|---|---|
| Property | What a buyer would pay this month, minus selling costs. Not the circle rate, not what you hope. |
| Stocks and mutual funds | Today's market value, before tax on gains |
| EPF, PPF, NPS, 401(k) | Current balance, even though it is locked up |
| Gold and jewellery | Today's rate for the metal weight, not what you paid, and not the making charges |
| Vehicles | Resale value today, which is far below the purchase price |
What a healthy balance sheet looks like
A debt-to-asset ratio under 30 to 40% is comfortable for most households; above 50% is a signal to stop borrowing and start repaying, starting with whatever costs the most. A ratio that looks fine but is propped up entirely by one illiquid property is worth noticing too, which is what the liquid net worth figure is for.
Track it once a quarter, not once a day. The point is the direction over years, not the wobble this month.
Next: size your emergency fund, clear the most expensive debt with the credit card payoff calculator, check how close you are to freedom in the FIRE calculator, and if you pay zakat, the zakat calculator uses a similar list.
Key facts
| Formula | Assets at today's value minus liabilities outstanding |
|---|---|
| Liquid net worth | Cash, deposits and marketable investments, minus card dues |
| Healthy debt-to-asset ratio | Under 30 to 40% |
| Valuation rule | Resale value today, never purchase price |
| Review frequency | Once a quarter |
How to use the Net Worth Calculator
- List everything you own: cash and deposits, investments, retirement accounts, property, gold, vehicles and anything else.
- Value each at what it would fetch today, not at what you paid for it.
- List everything you owe: home loan, vehicle loan, personal and education loans, credit card dues and any other borrowing.
- Use the outstanding balance on each loan, not the original amount.
- Read your net worth, liquid net worth and debt-to-asset ratio.
- Save the link and revisit it once a quarter to see the direction of travel.
Sources
Last reviewed and updated: 23 August 2026. Estimates only, not financial or tax advice.
Frequently asked questions
How do I calculate my net worth?
Add the current market value of everything you own, then subtract the outstanding balance of everything you owe. Use today's resale value for property, vehicles and gold, not the purchase price, and use loan balances rather than original loan amounts.
Should I include my house in net worth?
Yes, at what it would sell for today, and include the outstanding home loan on the other side. Just remember it is illiquid: a net worth that is 90% property looks healthy but cannot pay a hospital bill, which is why liquid net worth is shown separately.
What is liquid net worth?
The part of your net worth you could reach within a few days without selling property or breaking a locked-in retirement account: cash, deposits and marketable investments, minus credit card dues. It is the number that matters in an emergency.
What is a good debt-to-asset ratio?
Under 30 to 40% is comfortable for most households. Above 50% means half of what you own is effectively financed, and the priority becomes repayment of the most expensive borrowing rather than new investment.
How often should I calculate net worth?
Once a quarter is enough. Monthly tracking mostly measures market noise; the useful signal is whether the number is higher than it was a year ago, and by more than you saved.
Is this net worth calculator free and private?
Yes and yes. It is free with no sign-up, and every calculation runs entirely in your browser. Nothing you type is sent to a server or stored anywhere.