Finance
Track your assets and liabilities to calculate your total net worth.
Assets
Liabilities
Net Worth
35,00,000₹
Your assets exceed your liabilities. You are building wealth.
Net worth is calculated as total assets minus total liabilities. It represents your overall financial position.
Net worth is the difference between your total assets and total liabilities. Assets include cash, bank accounts, property, vehicles, investments, and business equity. Liabilities are debts you owe: mortgages, personal loans, credit card balances, car loans. Your net worth snapshot shows your financial health at any point in time and helps you measure progress toward financial goals.
List every asset you own and assign it a current market value. Then list every debt and its outstanding balance. The calculator sums all assets, sums all liabilities, and subtracts total liabilities from total assets. If assets exceed liabilities, you have positive net worth. If liabilities exceed assets, your net worth is negative—common for new homeowners or graduates with student debt. Repeat the calculation quarterly or annually to track whether your net worth is growing.
Net Worth = Total Assets − Total LiabilitiesTotal Assets is the sum of everything you own (cash, property, investments, vehicles). Total Liabilities is the sum of all money you owe (loans, mortgages, credit card debt). The difference tells you your net financial position.
| Input | Result | Notes |
|---|---|---|
| Assets: savings $25,000, home $300,000, car $15,000. Liabilities: mortgage $200,000, car loan $8,000. | Net worth = $340,000 − $208,000 = $132,000 | A positive net worth means you own more than you owe. |
| Assets: savings $5,000, car $12,000. Liabilities: student loan $30,000, credit card $8,000. | Net worth = $17,000 − $38,000 = −$21,000 | Negative net worth is common early in your career or after major education debt. |
| Assets: savings $50,000, investments $80,000, home $400,000, car $20,000. Liabilities: mortgage $250,000. | Net worth = $550,000 − $250,000 = $300,000 | Diversified assets and paid-down debt build strong net worth. |
Income is what you earn in a year; net worth is what you've accumulated and kept. High income doesn't guarantee high net worth if you spend everything. Net worth is the better measure of long-term financial health.
Yes, but use realistic value. Check used car listings or depreciation tables, not the purchase price. Cars lose value rapidly, so don't overestimate.
It's common early in your career (student debt, first mortgage) but should improve over time. Focus on growing assets faster than liabilities.
Quarterly (every 3 months) or at minimum annually gives you a clear trend. More frequent updates can be motivating if you're paying down debt quickly.
Anything with monetary value: cash, bank accounts, investments, real estate, vehicles, collectibles you could sell, and retirement accounts. Exclude personal items with sentimental value only.
Yes. Retirement accounts (401k, IRA, pension) are real assets you own and will eventually access, so they count toward net worth.