Net Worth Calculator

Calculate your personal net worth by listing all assets and liabilities. Track financial health with Assets minus Liabilities and benchmark against your age.

Personal Net Worth Calculator

Total assets minus liabilities — your financial health snapshot

Current age 35 yrs
yrs
Annual income Rs 12L
Rs
ASSETS
Bank balance Rs 1L
Rs
MF / Stocks Rs 5L
Rs
FD / RD Rs 2L
Rs
PPF / EPF Rs 3L
Rs
Property (market value) Rs 50L
Rs
Gold Rs 2L
Rs
Vehicle Rs 5L
Rs
LIABILITIES
Home loan outstanding Rs 35L
Rs
Car / personal loan Rs 2L
Rs
Credit card dues Rs 50,000
Rs
Net worth
---
assets minus liabilities
Liquid net worth
---
investable assets minus debt
vs age-income benchmark
---
age x income / 10
Total assets---
Liquid assets---
Illiquid assets (property, gold)---
Total liabilities---
Net worth---
Benchmark (age x income / 10)---
Total assets vs liabilities
Total assets: ---
Total liabilities: ---

Estimates for personal financial planning. Consult a financial advisor for personalised advice.

Asset breakdown by category
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ThriftRupee Insight

A useful benchmark: your net worth at any age should be approximately (Age × Annual Income / 10). At 35 earning Rs 15 lakh/year, target net worth = Rs 52.5 lakh. Most Indians in their 30s underperform this benchmark because home loan liability offsets property value, and liquid investments are thin. The fix: build liquid assets (MF, stocks, FD) aggressively alongside real estate, which is illiquid.

Personal Net Worth Calculator — Your Financial Snapshot

Net worth = Total assets - Total liabilities. It is the single most important financial metric. A benchmark: net worth should equal (age x annual income / 10). At 35 earning Rs 12L, target net worth is Rs 42 lakh.

Frequently asked questions

How is personal net worth calculated?▼
Net Worth = Total Assets − Total Liabilities. Assets include: bank balance, investments (MF, stocks, FD, PPF), property value (market price), gold, EPF balance, business value, vehicles. Liabilities include: home loan outstanding, personal loan, car loan, credit card dues, other debts. Use conservative market values for assets.
Should I include my home in net worth?▼
Yes, but use market value minus outstanding loan. Your "home equity" = current market value minus home loan balance. However, since you cannot sell your home to fund living expenses (without becoming homeless), separate "liquid net worth" (investable assets minus debts) is a more useful planning metric than total net worth.
What is a good net worth at different ages in India?▼
Age-based benchmarks (10× salary rule): 30 years = 3× annual income. 35 years = 3.5× annual income. 40 years = 4× annual income. 50 years = 5× annual income. 60 years = 25× annual expenses (FI number). These are guidelines, not laws. What matters most is that net worth is trending upward every year.

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