Net Worth Calculator (India)
Income is what you earn. Net worth is what you keep. Add up assets, subtract liabilities — get your real financial picture.
Assets (what you own)
Liabilities (what you owe)
Your net worth
Use today's market value for assets (especially real estate / gold). Use outstanding principal for loans.
Why net worth matters more than salary
A ₹20 lakh / year earner with ₹50 lakh of debt and ₹2 lakh saved is poorer than a ₹10 lakh / year earner with ₹0 debt and ₹15 lakh saved. Salary tells you what you earn. Net worth tells you whether you're actually getting richer.
Track it monthly. The number swings less than markets — a ₹50,000 monthly net worth gain means a ₹6 lakh annual upward trajectory. That's the real measure of progress.
Frequently asked questions
What is net worth?
Net worth = total assets − total liabilities. It's the single best number to track your financial progress year over year. Income is what you earn; net worth is what you keep.
What counts as an asset?
Anything with monetary value you own: cash, bank balance, mutual funds, stocks, FD, PPF/EPF, real estate at market value, gold, vehicles (depreciated), cryptocurrency. Skip items you would never actually sell — they're not liquid.
What counts as a liability?
Anything you owe: home loan outstanding, car loan, personal loan, credit card outstanding, student loan, money borrowed from family. Use the principal outstanding, not the original loan amount.
What is a good net worth for my age in India?
A common rule: at age N, your net worth should be roughly (N − 25) × annual income, divided by 10. So at 30 earning ₹10 L, aim for ₹5 L. At 40 earning ₹15 L, aim for ₹22.5 L. These are rough targets — your reality depends on city, family, health.
Track net worth automatically.
Money Track's Assets module rolls up wallets + investments + property + gold into one live net worth number.
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