Calculate Your Net Worth

Track your financial health by adding up all your assets and subtracting your liabilities

Assets ₹0

Real Estate ₹0
Current market value of your home, apartment, plots and any other real estate you own.
₹
Include primary residence, ancestral property, agricultural land, commercial property, and plots.
Cash & Bank Accounts ₹0
Total in your savings accounts, fixed deposits, and cash on hand.
₹
Include savings accounts, current accounts, FDs, RDs, post office deposits, and physical cash.
Retirement Accounts ₹0
Value of your EPF, PPF, NPS, and other retirement/pension accounts.
₹
Include Employee Provident Fund (EPF), Public Provident Fund (PPF), National Pension System (NPS), pension plans, etc.
Investments ₹0
Mutual funds, stocks, bonds, gold, and other non-retirement investments.
₹
Include equity mutual funds, stocks, bonds, gold/silver, ULIPs, ELSS, REITs, Crypto, and Chit funds.
Vehicles ₹0
Current market value of cars, two-wheelers, and other vehicles.
₹
Check OLX, CarWale, or BikeWale for accurate market values of your vehicles. Remember to use resale value.
Personal Valuables ₹0
Value of jewelry, collectibles, electronics, and other belongings.
₹
Include gold jewelry, furniture, electronics, art, antiques, and collectibles. Use current market value.
Other Assets ₹0
Business ownership, cash value of insurance policies, etc.
₹
Include business equity, insurance policies with surrender value, intellectual property, and other assets.

Liabilities ₹0

Home Loan ₹0
Remaining balance on your home loans and any property loans.
₹
Include all home loans, property loans, LAP (Loan Against Property), and builder finance outstanding amount.
Credit Card Debt ₹0
Total balances owed on all your credit cards.
₹
Include all credit card balances, EMI on credit cards, and buy-now-pay-later schemes.
Education Loans ₹0
Remaining balance on all education loans.
₹
Include all education loans from banks, NBFCs, or government schemes, both yours and any you've cosigned.
Vehicle Loans ₹0
Remaining balance on car, two-wheeler loans or leases.
₹
Include car loans, two-wheeler loans, commercial vehicle loans, and lease agreements.
Personal Loans ₹0
Balance on personal loans from banks, NBFCs, or individuals.
₹
Include bank loans, gold loans, loans from NBFCs like Bajaj Finserv, and money borrowed from family/friends.
Medical Debt ₹0
Outstanding medical bills or healthcare-related debt.
₹
Include hospital bills, payment plans for surgeries, dental work, and other healthcare-related debt.
Other Debt ₹0
Business loans, tax debt, other outstanding liabilities.
₹
Include business loans, MSME loans, Mudra loans, tax debt, loan against securities, and any other debts.
Your Net Worth
₹0
Enter your assets and liabilities above to calculate your net worth.

Average Net Worth by Age in India

Net worth benchmarks by age group 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.

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.