Add assets and liabilities to see net worth at a point in time.
Explore tools that pair well with this one—loans, investing, and planning.
Net worth is what you own minus what you owe—a simple snapshot of financial position. Listing assets (investments, property, cash) and liabilities (loans, credit lines) in one place helps you track progress toward goals and spot imbalances, like too much debt relative to investable assets.
Net worth = sum of asset values − sum of liability balances.
Add line items with names and values. Include all major assets and debts you care about; export or screenshot for your records if needed.
Cash, bank balances, mutual funds, stocks, EPFO/NPS balances (as valued), real estate at a realistic market value, and other receivables you would count.
Use a conservative market estimate minus selling costs if you want liquidity-focused net worth, or gross value if you prefer a simple snapshot.
List outstanding loan balance under liabilities and property under assets (or equity = value − loan). Avoid double-counting.
No—liquid net worth stresses cash and quickly saleable assets. This tool totals everything you enter without liquidity weighting.
Monthly or quarterly is enough for most households; update big items when markets or property values move materially.
Use these notes to stress-test the calculator, understand what drives the result, and choose the right tool for the decision you are making.
The result is only as reliable as the values you enter. The calculator assumes the listed asset values and liability balances are current and comparable, even though some items like real estate and private assets may be difficult to price precisely.
A household can have a high total net worth because of home equity and retirement balances while still feeling cash-constrained. That is why it often helps to pair this number with a separate view of liquid assets and monthly cash flow.
Net worth is a balance-sheet snapshot, not a spending plan. Rising net worth is usually a healthy sign, but the composition matters: liquid investments, concentrated property exposure, and high-interest debt have very different implications.
Use Net Worth when you want a broad financial snapshot today. Use Retirement when you want to answer a narrower question about whether your savings path can support future spending after you stop working.
“The stock market is a device for transferring money from the impatient to the patient.”
— Warren Buffett
