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India
Calculate Your Net Worth
Track your financial health by adding up all your assets and subtracting your liabilities
Choose Your Country for Localized Calculations
Assets ₹0
Real Estate
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Current market value of your home, apartment, plots and any other real estate you own.
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Include primary residence, ancestral property, agricultural land, commercial property, and plots.
Cash & Bank Accounts
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Total in your savings accounts, fixed deposits, and cash on hand.
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Include savings accounts, current accounts, FDs, RDs, post office deposits, and physical cash.
Retirement Accounts
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Value of your EPF, PPF, NPS, and other retirement/pension accounts.
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Include Employee Provident Fund (EPF), Public Provident Fund (PPF), National Pension System (NPS), pension plans, etc.
Investments
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Mutual funds, stocks, bonds, gold, and other non-retirement investments.
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Include equity mutual funds, stocks, bonds, gold/silver, ULIPs, ELSS, REITs, Crypto, and Chit funds.
Vehicles
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Current market value of cars, two-wheelers, and other vehicles.
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Check OLX, CarWale, or BikeWale for accurate market values of your vehicles. Remember to use resale value.
Personal Valuables
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Value of jewelry, collectibles, electronics, and other belongings.
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Include gold jewelry, furniture, electronics, art, antiques, and collectibles. Use current market value.
Other Assets
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Business ownership, cash value of insurance policies, etc.
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Include business equity, insurance policies with surrender value, intellectual property, and other assets.
Liabilities ₹0
Home Loan
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Remaining balance on your home loans and any property loans.
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Include all home loans, property loans, LAP (Loan Against Property), and builder finance outstanding amount.
Credit Card Debt
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Total balances owed on all your credit cards.
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Include all credit card balances, EMI on credit cards, and buy-now-pay-later schemes.
Education Loans
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Remaining balance on all education loans.
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Include all education loans from banks, NBFCs, or government schemes, both yours and any you've cosigned.
Vehicle Loans
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Remaining balance on car, two-wheeler loans or leases.
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Include car loans, two-wheeler loans, commercial vehicle loans, and lease agreements.
Personal Loans
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Balance on personal loans from banks, NBFCs, or individuals.
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Include bank loans, gold loans, loans from NBFCs like Bajaj Finserv, and money borrowed from family/friends.
Medical Debt
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Outstanding medical bills or healthcare-related debt.
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Include hospital bills, payment plans for surgeries, dental work, and other healthcare-related debt.
Other Debt
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Business loans, tax debt, other outstanding liabilities.
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Include business loans, MSME loans, Mudra loans, tax debt, loan against securities, and any other debts.
Your Net Worth
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Average Net Worth by Age in India
| Age Group | Median Net Worth | Average Net Worth |
|---|---|---|
| Under 30 | ₹5 Lakh | ₹12 Lakh |
| 30-40 | ₹20 Lakh | ₹45 Lakh |
| 40-50 | ₹40 Lakh | ₹85 Lakh |
| 50-60 | ₹75 Lakh | ₹1.2 Crore |
| 60-70 | ₹90 Lakh | ₹1.6 Crore |
| 70+ | ₹80 Lakh | ₹1.4 Crore |
Source: Based on household wealth surveys in urban India (estimates)
Tips to Improve Your Net Worth in India
- Pay off high-interest debt first - Focus on credit cards and personal loans where rates can exceed 30% p.a.
- Create an emergency fund - Aim for 6-12 months of expenses in a liquid account.
- Maximize tax-saving investments - Utilize Section 80C instruments like PPF, ELSS, and NPS.
- Invest in equity for long-term - Consider SIPs in mutual funds for disciplined investing.
- Purchase adequate insurance - Term life, health insurance, and property insurance protect your assets.
- Have a retirement strategy - Combine EPF, PPF, NPS, and mutual funds for retirement corpus.
- Consider real estate carefully - Don't overleverage for property; rental yields matter.
Indian Financial Planning Guide
Understanding Indian Retirement Planning
Build your retirement corpus with these Indian instruments:
- EPF: Employee Provident Fund with employer matching
- PPF: Public Provident Fund - 15-year lock-in, tax-free returns
- NPS: National Pension System with tax benefits
- VPF: Voluntary Provident Fund for additional savings
Indian Tax-Saving Investments
Maximize tax benefits under Section 80C and other sections:
- ELSS: Equity Linked Savings Scheme with 3-year lock-in
- NSC: National Savings Certificate
- ULIP: Unit Linked Insurance Plans
- Home Loan Principal: Qualifies for 80C deduction
Indian Real Estate Considerations
Property investment factors in India:
- Home loan interest deduction under Section 24
- Capital gains tax on property sales
- RERA compliance for new properties
- Rental income taxation and deductions
Indian Investment Options
Diversify your portfolio with Indian instruments:
- Mutual Funds: SIP in equity and debt funds
- Direct Equity: Stocks listed on NSE/BSE
- Gold: Physical gold, Gold ETFs, or Gold Bonds
- Fixed Deposits: Bank FDs and corporate FDs
Understanding Your Net Worth
What Is Net Worth?
Net worth is the difference between what you own (assets) and what you owe (liabilities). It's a snapshot of your financial position and indicates your overall financial health.
About Assets
Assets are things you own that have monetary value. In India, common assets include property, FDs, gold, vehicles, mutual funds, and PPF/EPF accounts that can be converted to cash.
About Liabilities
Liabilities are debts or obligations you owe to others. These include home loans, personal loans, vehicle loans, education loans, credit card debt, and any informal loans from family.
Why Track Net Worth?
Tracking your net worth helps you measure financial progress, make informed decisions about saving vs. spending, and plan for major life goals like buying property, children's education, and retirement.