Should I include my home as an asset?
Yes. Include the current market value as an asset. If you have a home loan, include the outstanding balance as a liability. The difference is your equity in the property.
Financial Tools
Net Worth Calculator
Enter your assets, liabilities, income, and investments. See your current net worth and how it could grow over time.
Assets
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₹0 / yrSIP / Investments
Ongoing monthly investment contributionsEMI / Loan Payments
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Current Position
Total Assets
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Total Liabilities
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Current Net Worth
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Projection (10 Years)
Projected Assets
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Projected Liabilities
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SIP Corpus
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Accumulated Surplus (cash)
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Future Net Worth
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Annual Cashflow
Total Annual Income
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Total Annual Expenses
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EMI Payments
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SIP Contributions
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Net Annual Surplus
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What is Net Worth?
Net worth is the total value of everything you own minus everything you owe. It is the single most honest measure of your financial health because it reflects where you actually stand — not just how much you earn.
How is Net Worth Calculated?
The formula is straightforward:
Net Worth = Total Assets − Total Liabilities
Assets include savings, investments, property, gold, fixed deposits, and anything else of monetary value that you own. Liabilities include outstanding home loans, car loans, personal loans, credit card dues, and any other debt.
How is Future Net Worth Projected?
This calculator builds your future net worth from three components:
- Projected Assets: Each asset grows at its specified annual appreciation rate using compound growth.
- Projected Liabilities: Treated as outstanding at current value. Enter an annual reduction rate to model loan paydown.
- SIP Corpus: Monthly contributions with annual step-up, compounded at the expected annual return.
Your annual surplus (income minus expenses and EMIs) is shown separately in the summary. To project its growth into your future net worth, add it as a SIP entry above.
Why Does Future Net Worth Matter?
Knowing your current net worth is a starting point. Projecting it forward reveals whether you are on track for your goals — retirement, financial independence, or simply outpacing inflation. Small changes in savings rate or investment return assumptions can have dramatic long-run effects.
Frequently Asked Questions
What growth rate should I use for assets?
Common assumptions: equity mutual funds at 10–12%, real estate at 5–8%, gold at 7–8%, fixed deposits at 6–7%. Use realistic, not best-case, estimates.
Is my data saved anywhere?
No. All calculations happen entirely in your browser. Nothing is sent or stored.
What is a healthy net worth?
A common benchmark: Net Worth = (Age − 25) × Annual Income ÷ 5. More important than any benchmark is a consistently growing net worth year over year.