Net Worth Calculator
Free net worth calculator for India. Add up assets and liabilities, see your net worth, asset mix and debt ratio. Track financial progress year over year.
Your net worth is the simplest single number that summarises your financial position. Add everything you own, subtract everything you owe, and the result is what would be left if you liquidated today. This calculator gives you a clean personal balance sheet for India: cash, fixed deposits, mutual funds, equity, EPF, PPF, NPS, real estate, gold and other assets on one side; home loan, car loan, personal loan, credit card and other liabilities on the other. The result shows your net worth, your asset mix and your debt to asset ratio.
Personal balance sheet
Assets
Liabilities
Why use the Net Worth Calculator
Most Indian families never sit down and add up what they own. Money is scattered across savings accounts, fixed deposits at three banks, two demat accounts, a PPF passbook, an EPF UAN, a property in the home town, gold in a locker and a couple of insurance policies. Without a periodic net worth check, financial progress becomes a feeling rather than a number. The calculator makes the exercise easy. Run it once a quarter or once a year, and the trend tells you whether you are actually building wealth or just earning and spending it.
Benefits at a glance
Personal balance sheet on one page
Lists all common Indian asset categories (cash, FD, equity, mutual funds, EPF, PPF, NPS, real estate, gold, other) and liabilities (home loan, car loan, personal loan, credit card, other) so nothing slips through the gaps.
Asset mix breakdown
The result includes the percentage share of each asset category in the total. Useful for spotting concentration in real estate, fixed deposits or a single stock and rebalancing toward a healthier mix.
Debt to asset ratio
The calculator shows the ratio of total liabilities to total assets as a percentage. A ratio under 30 percent is generally considered comfortable for most Indian households, though context matters.
Year over year tracking
Save the result (or take a screenshot) at the same time every year. The trend line of net worth over time is the single best summary of your financial trajectory.
Free and private
All entries stay in your browser. No login, no email, no upload of asset data. Nothing leaves your device.
How to use the Net Worth Calculator
- 1
List your assets
Cash and savings balances, fixed and recurring deposits, mutual fund holdings (today's NAV value), direct equity portfolio value, EPF balance, PPF balance, NPS corpus, real estate at market value (not purchase price), gold by current market value and any other assets such as art or vehicles.
- 2
List your liabilities
Outstanding home loan principal, car loan, personal loan, education loan, credit card outstandings (statement balance, not credit limit) and any other debt such as gold loan or family loan.
- 3
Read the net worth
Net worth equals total assets minus total liabilities. The result card also shows the asset mix doughnut, the debt to asset ratio and the largest asset and largest liability for context.
- 4
Repeat at a fixed cadence
Once a quarter or once a year, on the same date. The trend matters more than the absolute level. A rising net worth with a steady or falling debt ratio is the cleanest signal of healthy progress.
Frequently asked questions
Should I include EPF and PPF in net worth?
Yes. EPF and PPF are real assets you legally own, even if access is restricted. Use the latest balance from the EPFO passbook and the PPF passbook. Some people prefer to track liquid net worth separately by excluding these, but for the standard net worth number, include them.
How should I value real estate?
Use the current market value, not the purchase price. The simplest proxy is the most recent registered sale price of a comparable unit in the same building or locality. Update it once a year. If you are unsure, use a conservative figure rather than a generous one.
Should I include life insurance in assets?
Only the surrender value of traditional or ULIP policies, not the sum assured. Term insurance has no surrender value and should not be on the balance sheet (it is income protection, not an asset). Consult your policy document for the current surrender value.
What is a healthy debt to asset ratio?
Under 30 percent is generally considered comfortable for most Indian households, though a young homeowner with a fresh home loan can be at 60 to 70 percent and still be on track. The trend matters: the ratio should fall over time as the home loan amortises faster than asset values grow.
How often should I update my net worth?
Once a year is enough for most people. Once a quarter is better if you are actively investing or trying to hit a specific milestone like FIRE. Daily or weekly tracking adds noise without adding signal.
What is the net worth needed to retire?
A common rule of thumb is 25 to 30 times your annual expenses, sometimes called the FIRE corpus. The exact number depends on your post retirement lifestyle, the inflation assumption, the safe withdrawal rate and your other income (rent, pension, EPS). The FIRE calculator on RunwayCalc handles the detailed math.
Is net worth the same as financial freedom?
No. Net worth is the absolute size of your balance sheet. Financial freedom is whether the income from the asset side covers your expenses indefinitely. A high net worth in illiquid assets like a self occupied house does not generate cash flow, so it does not make you free in the same way as a comparable amount in income generating assets.
Final word
Net worth is the cleanest single measure of where your money sits today. The calculator gives you a personal balance sheet in two minutes, with the asset mix and debt ratio you need to spot imbalances. Run it once a year on the same date and watch the trend. As always, the number is a snapshot, not a verdict. Use a qualified financial advisor to interpret the result and decide what to change.
Browse every RunwayCalc calculator