Net Worth Calculator
Add up what you own and what you owe to get your net worth, with your debt-to-assets ratio.
How to use the Net Worth calculator
- Enter bank balance and cash, investments: MF, shares, FD, PPF, EPF, property value, gold and other assets, home loan outstanding, other loans outstanding and credit card dues.
- Read the net worth at the top of the result, with total assets, total liabilities, debt to assets underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Net worth is the clearest single measure of financial progress. Recalculate it once a year with the same method.
Worked example
With bank balance and cash of ₹2,00,000, investments: mf, shares, fd, ppf, epf of ₹15,00,000, gold and other assets of ₹2,00,000, other loans outstanding of ₹1,50,000 and credit card dues of ₹20,000:
| Net worth | ₹17,30,000 |
| Total assets | ₹19,00,000 |
| Total liabilities | ₹1,70,000 |
| Debt to assets | 8.95% |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
Should I include my house in net worth?
Yes at a realistic resale value, but remember you can't spend it without selling. Some people track net worth with and without the home.
What is a healthy debt-to-assets ratio?
Lower is safer. Under 50% is generally comfortable; credit card debt should be zero.