Net Worth Calculator
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 / valuables). Use outstanding principal for loans.
Why net worth matters more than salary
A high earner with heavy debt and minimal savings is poorer than a lower earner with no debt and a decent nest egg. 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 steady monthly net worth gain compounds into a real upward trajectory across the year. That's the true 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, fixed deposits / CDs, retirement accounts (401k / IRA / PPF / EPF), real estate at market value, precious metals, 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?
A common rule of thumb: at age N, your net worth should be roughly (N − 25) × annual income, divided by 10. So at age 30 earning 80k, aim for ~40k saved/invested. At 40 earning 100k, aim for ~150k. These are rough targets — your reality depends on city, family, health and life stage.
Track net worth automatically.
Money Track's Assets module rolls up wallets + investments + property + valuables into one live net worth number.
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