Net worth calculator
A personal balance sheet
Add the current value of your assets and outstanding debts to see where you stand.
Free to use. No account required.Enter all amounts in INR. Changing currency changes labels only; it does not convert amounts.
Bank balances, cash and fixed deposits
Stocks, mutual funds, bonds and ETFs
EPF, PPF, NPS or other retirement accounts
Current market value of your ownership share
Estimated resale value, rather than purchase price
Vehicles, business equity and other assets
For shared assets, include only your share. For a household total, count each asset once.
Amounts are not saved or sent by this calculator. Refreshing clears them.
How to calculate your net worth
Your net worth is the value of what you own minus what you owe, measured at a point in time. This calculator adds your assets and subtracts your outstanding liabilities. It is an estimate, rather than a valuation or financial recommendation.
A simple example
If your assets total ₹70,00,000 and your debts total ₹26,75,000, your net worth is ₹43,25,000. Select “Use sample figures” to load this example into the calculator.
Build a consistent snapshot
Use balances and estimated market values from roughly the same date. Enter the full current value of your share of a property under assets, and your outstanding share of the home loan under liabilities. This avoids subtracting the loan twice. Leave categories that do not apply blank.
Should I include my home?
You can include the current estimated market value of your ownership share. Enter the corresponding outstanding mortgage separately. The calculator includes property in total net worth; this does not mean that value is available as cash.
Can I calculate my household’s net worth?
Yes. Combine the assets and debts of the people included in your household snapshot. Count jointly owned assets and shared debts once, and use a consistent ownership basis throughout.
How should I count retirement savings and insurance?
Include current retirement account balances, such as EPF, PPF, NPS, or other retirement savings. These balances may have withdrawal restrictions. Do not count an insurance policy’s coverage amount as an asset. If a policy has a current surrender value, you can enter that value under other assets.
What does a negative net worth mean?
It means the debts you entered exceed the assets you entered. The calculator preserves negative results. This snapshot alone does not measure your income, ability to meet payments, or future financial position.
Does changing the currency convert my balances?
No. The currency selector changes the currency symbol and number formatting only. Convert any foreign balances into your chosen currency before entering them, using an exchange rate appropriate to your snapshot date.
Are my figures stored?
This calculator keeps the amounts in temporary browser memory. It does not save or submit them, and refreshing or leaving the page clears them. The early-access invitation opens a separate registration form and does not transfer your calculator figures.
Ready to organize the information behind your number? Explore financial health and net worth with FinlayStakes.