Net Worth Calculator
Fill in your assets & liabilities,
then press Calculate Net Worth
Your Net Worth
Net Worth Calculator Guide
Net Worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most comprehensive single-number snapshot of your financial health — more telling than income or savings rate alone.
Financially solvent
Debt reduction needed
Age 30
Target: 1× your annual income. Build emergency fund and start investing regularly.
Age 40
Target: 3× annual income. Home equity & equity investments should be growing steadily.
Age 50
Target: 6× annual income. Retirement corpus should be accumulating strongly.
Age 60
Target: 10×+ annual income. Near debt-free with sufficient retirement corpus.
Invest Consistently
SIPs in equity mutual funds or index funds are one of the most effective ways to grow assets over 10–20 years.
Reduce Liabilities
Pay off high-interest debt first (credit cards, personal loans). Every rupee of debt eliminated is a rupee added to net worth.
Track Annually
Recalculate your net worth every year. Watching it grow is one of the most motivating habits in personal finance.
Q1: What is a good net worth at 30 in India?
A net worth equal to at least 1× your annual salary by age 30 is a solid target. For an annual income of ₹10 LPA, aim for ₹10 lakh net worth — with no high-interest debt and a growing investment portfolio.
Q2: Does my house count as an asset?
Yes — but use the current market value, not what you paid. If you have a home loan, the outstanding loan amount goes under liabilities. Net equity = home value − loan balance.
Q3: Should I include my PF/EPF balance?
Yes. Provident fund, PPF, NPS, and pension accounts are assets even though they’re locked in. Include the current accumulated balance in your “Investments” category.
Q4: My net worth is negative — what should I do?
Focus on clearing high-interest debt first (personal loans, credit cards). Even a small SIP and systematic debt repayment can turn a negative net worth positive within 3–5 years.