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.
ఇక్కడ ప్రారంభించండి
- ఏమి నమోదు చేయాలి
- ఆస్తుల నేటి విలువ, ప్రస్తుత రుణ బకాయి ఇవ్వండి; అసలు తీసుకున్న రుణం కాదు.
- ఫలితం అర్థం
- నికర ఆస్తి = ఆస్తులు − అప్పులు; ఖర్చు చేయగల నగదు కాదు.
ఉదాహరణ, పరిమితులు చూడండి
- సులభ ఉదాహరణ
- ₹20 లక్షల ఆస్తులు − ₹8 లక్షల అప్పులు = ₹12 లక్షల నికర ఆస్తి.
- గుర్తుంచుకోండి
- ఆస్తులు అమ్మడానికి సమయం పట్టవచ్చు. అమ్మకం ఖర్చులు, భవిష్యత్ ధర మార్పులు లేవు.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
వ్యక్తిగత బ్యాలెన్స్ షీట్
ఆస్తులు
netWorth.assetsHelper
బాధ్యతలు
netWorth.liabilitiesHelper
- నికర విలువ
- ₹52,00,000
- ₹52L
- మొత్తం ఆస్తులు
- ₹82,00,000
- ₹82L
- మొత్తం బాధ్యతలు
- ₹30,00,000
- ₹30L
మీ లెక్కలు ఏమి చెబుతున్నాయి
Your debts equal 36.6% of everything you own.
A debt-to-asset ratio under 50% is commonly seen as healthy; keep it falling as loans are repaid.
రియల్ ఎస్టేట్ (మార్కెట్ విలువ) makes up 61% of your assets.
Having over half your wealth in one place makes you vulnerable if that asset falls or is hard to sell.
Excluding property, your net worth is ₹2L.
Property is hard to sell quickly, so this figure better reflects the money you could actually use.
- రుణ-ఆస్తి నిష్పత్తి
- 36.6%
- <30% సాధారణంగా సౌకర్యవంతం
- అతిపెద్ద ఆస్తి
- రియల్ ఎస్టేట్ (మార్కెట్ విలువ)
- ఆస్తులలో 61.0%
netWorth.resultHelper
ఆస్తి మిశ్రమ విభజన
netWorth.donutCaption
- రియల్ ఎస్టేట్ (మార్కెట్ విలువ) · 61.0%₹50,00,000
- మ్యూచువల్ ఫండ్లు · 9.8%₹8,00,000
- EPF · 7.3%₹6,00,000
- ఫిక్స్‌డ్ డిపాజిట్లు · 6.1%₹5,00,000
- PPF · 4.9%₹4,00,000
- ప్రత్యక్ష ఈక్విటీ · 3.7%₹3,00,000
- నగదు & పొదుపులు · 2.4%₹2,00,000
- NPS · 2.4%₹2,00,000
- బంగారం · 2.4%₹2,00,000
మీ లెక్కను అర్థం చేసుకోండి
Net worth is everything you own minus everything you owe. This calculator brings cash, deposits, investments, retirement accounts, property and gold together with outstanding loans and card balances. It shows a personal balance sheet, asset mix and debt-to-asset ratio. Use current values and compare snapshots on the same date each year.
Net Worth Calculator ను ఎలా ఉపయోగించాలి
- 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 results also show the debt to asset ratio, your largest asset with its share, the asset mix doughnut and insights such as your net worth excluding property.
- 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.
ఉదాహరణ
Salaried household with a flat and a home loan
Assets: ₹2,00,000 cash, ₹5,00,000 in FDs, ₹8,00,000 in mutual funds, ₹3,00,000 in shares, ₹6,00,000 EPF, ₹4,00,000 PPF, ₹2,00,000 NPS, a ₹50,00,000 flat and ₹2,00,000 of gold, totalling ₹82,00,000. The only debt is a ₹30,00,000 home loan. Net worth is ₹82,00,000 − ₹30,00,000 = ₹52,00,000, and the debt-to-asset ratio is ₹30,00,000 ÷ ₹82,00,000 = 36.6%.
- Total assets
- ₹82,00,000
- Total liabilities
- ₹30,00,000
- Net worth
- ₹52,00,000
- Debt-to-asset ratio
- 36.6%
- Largest asset
- Real estate, 61.0% of assets
- Net worth excluding the flat
- ₹82,00,000 − ₹50,00,000 − ₹30,00,000 = ₹2,00,000
A healthy-looking ₹52 lakh is mostly one illiquid flat. Strip it out and only ₹2 lakh of financial net worth is left after the loan, which is the number that funds emergencies and retirement.
ఇది ఎలా లెక్కించబడుతుంది
Net worth is total assets − total liabilities, where each total is the sum of the amounts you enter. Blank or negative entries count as zero, so net worth only goes negative when debts exceed assets.
Each asset's share is asset ÷ total assets × 100, and each liability's share uses total liabilities the same way. The debt-to-asset ratio is total liabilities ÷ total assets × 100; with zero assets it's undefined and shown as a dash. The largest asset card is simply the biggest entry after sorting.
The insights add two views: a ratio up to 50% is marked as healthy and anything above as a warning, and when you enter real estate, total assets − real estate − total liabilities shows your net worth without property. Nothing is projected forward; it's a snapshot at today's values.
అనుమానాలు మరియు పరిమితులు
- Use current gross market values for assets and outstanding balances for debts. Enter the property value in full and its loan separately; do not subtract the same mortgage twice.
- Each holding belongs in one asset category only. Mutual funds and direct equity should not both include the same securities.
- Amounts are non-negative. Asset and liability shares use their respective totals. Debt-to-asset ratio is undefined when assets total zero, and is shown as a dash.
- Net worth is assets minus liabilities before sale costs and tax; it is not the same as liquid or immediately spendable wealth.
తరచుగా అడిగే ప్రశ్నలు
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.