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Net Worth Calculator
Add up what you own against what you owe, and see how much of it is actually reachable.
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Result
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Net worth is assets minus liabilities. The number matters less than its direction over a year and the shape of what sits underneath it.
Value things honestly
Price property at what a buyer would pay next month, not at the builder's asking price for a new launch. Count vehicles at resale value. Jewellery at melt value, not at what it cost.
The concentration question
Indian households routinely hold 70% or more of net worth in one property. That is one asset, one city, one market, and it cannot be sold in pieces. The calculator flags the share so you can see it.
Liquid net worth
What you could actually reach within a week, after clearing short-term debt. For most people this is a much smaller and more useful number than the headline figure.
Frequently asked questions
What should I include as assets?
Everything you own at a realistic value: cash, deposits, investments, EPF, PPF and NPS balances, property at what a buyer would pay next month, vehicles at resale value, and gold at melt value rather than purchase price.
Should I include my home?
Include it, but watch the share. Indian households routinely hold 70% or more of net worth in one property — a single asset, in a single city, that cannot be sold in pieces. The calculator flags the concentration.
What is a good net worth for my age?
Comparisons across households are rarely useful. The direction over a year, and whether liquid assets are rising rather than only property equity, say far more than the absolute figure.
Why does the calculator show liquid net worth separately?
Because it is what you could actually reach within a week after clearing short-term debt. For most people it is a much smaller and more useful number than the headline figure.