About this calculator
Enter your cash, investments, gold, property and vehicles, then your loans and credit card dues. The calculator shows your net worth and how much of your assets is financed by debt.
How to use it
- Enter the current value of each kind of asset.
- Enter the outstanding balance of each loan.
- Read your net worth.
The formula
- assets
- cash, investments, gold, property, vehicles and other things of value
- liabilities
- loan balances and other money owed
Worked example
A household with a home loan
- Assets: ₹61,50,000 including a ₹45 lakh home.
- Liabilities: ₹27,80,000, mostly the home loan.
- Net worth = ₹33,70,000.
What the result means
Track the number over time rather than comparing with others. Paying down loans and investing regularly both raise it.
Assumptions
- Assets are entered at current market value.
Limitations
- Vehicles lose value quickly; use a realistic resale value.
- Future income such as salary is not an asset here.
Frequently asked questions
Should I include my house?
Yes, at a realistic market value, with the home loan balance as a liability.
Is a car an asset?
It is, but it loses value every year, so use its resale value.
What is a healthy debt-to-assets ratio?
Lower is safer. Many planners prefer debts below half of assets, falling over time.
For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.
Last reviewed on 1 October 2026. Found a mistake? Tell us.