What should my net worth be at my age?

This calculator does not offer a benchmark, and any figure it gave would be arbitrary — it depends on income, location, family circumstances and how long you have been earning, none of which it knows. What it can do is give you a consistent measure to compare against your own figure next year.

Should I include my provident fund and NPS?

Yes, if you want the fuller picture — they are balances you own, so they belong under investments. Bear in mind they are largely inaccessible until retirement, which is a reason to note them separately in your own records even though this calculator groups them with investments.

Do I count the property value or the equity?

Enter the full property value as an asset and the outstanding loan as a liability. The calculator subtracts one from the other, so your equity is already reflected in the net worth figure — entering equity directly would double-count the loan.

Should I subtract a car loan but count the car?

Yes — enter the vehicle's resale value under other assets and the outstanding loan under other loans, exactly as with a property. Counting one without the other is the most common way a net worth figure ends up wrong in either direction.

Is a negative net worth a problem?

Not necessarily, and it is common shortly after buying a home. The outstanding loan is at its largest while almost no principal has been repaid. Whether it is a concern depends on cash flow and job security rather than on the figure itself.

Investment · FINANCIAL TOOLS

Net Worth Calculator

Add up what you own, subtract what you owe, and see the single figure that results.

Understand the calculation

Calculation logic, formula, example and guardrails behind the estimate.

How it works

Everything you own is added up, everything you owe is subtracted, and what remains is your net worth. There is no modelling and no projection — it is a snapshot at the values you enter.

Cash and investments are reported separately from property, because the two behave very differently. A property cannot be sold in parts, so a position that looks comfortable in total can still be short of anything spendable.

More detail

The liabilities-to-assets ratio is shown alongside, since the same net worth can sit on very different amounts of borrowing.

Nothing is valued for you. The property figure in particular is your own estimate, and it is usually the largest and least certain number on the page.

To get the outstanding figure for your home loan rather than estimating it, use the loan balance calculator.

Formula

Net worth = Total assets − Total liabilities

A subtraction, not a model. Its usefulness comes from measuring the same way repeatedly rather than from the arithmetic.

Total assets: Cash, deposits, investments, property and other resale value.
Total liabilities: Outstanding balances on every loan, plus card dues carried.

Worked example

₹5,00,000 in deposits, ₹25,00,000 invested, a property estimated at ₹80,00,000, ₹3,00,000 of other assets, against a ₹44,00,000 home loan, ₹3,00,000 of other loans and ₹50,000 on cards.

01Total assets₹1,13,00,000
02Total liabilities₹47,50,000
03Net worth₹65,50,000
04Liabilities to assets42.04%
05Cash and investments share26.55%

A net worth of ₹65.5 lakh, of which the great majority sits in property — just over a quarter of the assets are cash or investments. Both facts matter, and the single figure alone shows neither.

Important considerations

01
The trend matters more than the number
A single net worth figure has little meaning on its own — there is no level that is right. What is informative is the direction over time, measured the same way each time. Recording the figure and the date, and repeating it in a year, is where the value is.
02
Property usually dominates, and is the least certain figure
For most Indian households the property estimate is both the largest asset and the one with the widest margin of error. Because it flows directly into the total, a generous estimate makes the whole figure generous. Using a conservative number keeps the trend more honest.
03
A negative figure is normal early in a home loan
In the first years the outstanding balance is large and little principal has been cleared, so liabilities can exceed assets. That reverses as the loan amortises — the loan balance calculator shows how slowly at first and how quickly later.

Limitations

It values nothing. Every figure is yours, and an optimistic property estimate flows straight through to the answer.
It is before tax. Selling investments or property could trigger capital gains tax, so the realisable figure is lower than the one shown.
It says nothing about income or cash flow. A large net worth held entirely in property can coexist with a monthly squeeze.

Frequently asked questions

Common questions about the net worth calculator and the assumptions behind it.

Next useful checks

Move from this result to the next decision without hunting through the full calculator list.

Savings Rate CalculatorCheck how much of income is actually being saved.Debt-to-Income Ratio CalculatorCheck debt load before taking another commitment.

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Disclaimer

This calculator is provided for general information and planning only. It is not investment, tax or legal advice, and it does not take your personal circumstances into account. Outputs are estimates based on the assumptions stated on this page, exclude taxes and charges unless said otherwise, and market-linked returns are not guaranteed — the value of investments can fall as well as rise. Lending terms, rates and eligibility are decided by the lender. For advice on your own situation, speak to a qualified professional, several of whom you can consult on Finvestalk.