Net Worth Calculator
Calculate your complete net worth and see asset allocation, liabilities and a financial health rating with actionable insights.
Assets
Liabilities
Total Assets
₹33.00 L
Total Liabilities
₹11.20 L
Net Worth
₹21.80 L
Wealth Distribution
Summary
Net Worth₹21,80,000
Asset-to-Debt Ratio2.95
Investment %15%
Debt % (of assets)34%
Financial Health
Good
Healthy asset coverage over liabilities.
Smart Insights
- High exposure to real estate — consider diversifying into liquid investments.
- Reduce credit card debt as it carries high interest.
- Increase equity or mutual fund allocation to improve long-term growth.
- Increase emergency savings to cover 3 months of expenses.
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Content depth
How This Calculator Works
A practical guide to using Net Worth — Guide and Planning with confidence.
Net worth is the simplest snapshot of financial health: assets minus liabilities. This guide explains how to measure net worth, why it matters across life stages, and practical steps to improve it.
Inputs You Enter
- Cash
- Savings Account
- Fixed Deposits
- PPF
- EPF
- Mutual Funds
- Stocks
- Gold
- Property
- Vehicles
- Other Assets
- Home Loan
- Personal Loan
- Vehicle Loan
- Education Loan
- Credit Card
- Other Loans
Outputs You Get
- Total Assets
- Total Liabilities
- Net Worth
- Asset-to-Debt Ratio
- Investment %
- Debt %
Assumptions and Limitations
Formula Used
Step-by-Step Example
- Enter current balances for each asset and liability category.
- Review asset allocation and net worth rating.
- Follow personalised recommendations to improve emergency savings, reduce high-cost debt, and increase retirement investments.
Practical Tips and Common Mistakes
- Track net worth quarterly
- Keep an emergency fund of 3-6 months
- Prioritise paying high interest debt
- Diversify across asset classes