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CalcGlass

Finance & Investment · Planning

Net Worth Calculator

List your assets — bank balances, investments, retirement accounts, property, gold — and your loans and card balances to get your net worth, how much of it is liquid, your debt-to-asset ratio and how your wealth is spread.

Your inputs

Quick start — try a typical case

7 rows · you can paste rows from Excel or Google Sheets

Use today's market value, not what you paid.

3 rows · you can paste rows from Excel or Google Sheets

Outstanding principal today. Leave empty if you have no debts.

Your result Live

Your Net Worth

₹65,80,000

₹1,11,00,000 owned − ₹45,20,000 owed

Total Assets
₹1,11,00,000
Total Liabilities
₹45,20,000
Liquid Assets (cash, shares, FDs, funds)
₹19,50,000 (18%)
Debt-to-Asset Ratio
40.7%
Net Worth Excluding Your Property
₹32,80,000
Liquid Assets ÷ Card & Personal Loans
48.8×
  • Cash & bank · 2%₹2,50,000
  • Shares & equity funds · 11%₹12,00,000
  • FD, bonds & debt funds · 5%₹5,00,000
  • EPF, PPF & NPS · 8%₹9,00,000
  • Property · 68%₹75,00,000
  • Gold · 3%₹3,00,000
  • Vehicles · 4%₹4,50,000
Assets vs liabilities

How this is calculated

Net worth = Σ assets (market value) − Σ liabilities (outstanding)

Liquid assets
Cash, bank balances, shares, mutual funds and FDs
Debt-to-asset
Total liabilities ÷ total assets

Net worth is a snapshot of your financial position: tracking it every 6–12 months shows whether you are building wealth. Liquid assets matter for emergencies; a home you live in adds to net worth but can't easily pay bills, which is why the figure excluding your property is shown too.

Assumptions & sources

  • Values are what you enter, at today's prices — no taxes or selling costs are deducted.
  • 'Liquid' means cash, bank balances, shares, mutual funds and FDs; EPF/PPF/NPS, property, gold and vehicles are treated as not liquid.
  1. 1Personal Financial Planning — the personal balance sheet — CFP Board / FPSB India curriculum
  2. 2Investor education material — SEBI — Securities and Exchange Board of India

Calculator ID FIN-PLAN-NETWORTH-001 · version 1.0.0

Common questions

Should I include my home?

Yes, at a realistic market value — and its loan as a liability. Because you can't spend your home without moving, the calculator also shows net worth excluding property.

What is a healthy debt-to-asset ratio?

Lower is safer. Below about 30 % is comfortable for most households; above 50 % means most of what you own is financed by debt.

How often should I calculate it?

Every 6 or 12 months is enough. The trend matters more than the number on any single day.