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.
Free Net Worth Calculator — No Sign-up Required
Free Net Worth Calculator — Track Your Assets & Liabilities
Enter your assets, liabilities, income, and investments to instantly see your current net worth and project exactly where you'll stand in the future.
🔒 Nothing is stored or shared
✅ 100% free, no sign-up
💻 Runs entirely in your browser
Net Worth Summary
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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Projections & Distribution
Add your financial data above to see charts.
Plan for Financial Independence
Know your net worth — now find out when you can retire
Your liquid corpus (Cash & Savings + Investments), monthly surplus, living expenses, and passive income are pre-filled into the FIRE Calculator. Passive income directly reduces the corpus your portfolio needs to generate — so rental income and dividends you've built here make your FIRE number smaller automatically.
How to Use This Net Worth Calculator — Step by Step
1
Enter your assets
Add each asset — savings, FDs, mutual funds, real estate, PPF/EPF, gold, vehicles — with its current market value and expected annual growth rate.
2
Add your liabilities
Enter the outstanding balance on every loan — home loan, car loan, personal loan, credit card dues. Enter an annual reduction rate to model how the balance shrinks over time.
3
Enter your income streams and expenses
Income is split into Active (salary, business — stops when you retire) and Passive (rental, dividends, interest — continues in retirement). Add annual hike rates for each. Passive income feeds directly into the FIRE calculator to reduce the corpus your investments need to generate.
4
Add your SIP investments
For each active SIP, enter the monthly amount, expected annual return, and step-up percentage (how much you increase the SIP amount each year).
5
Set the projection period and read your results
Drag the slider to 5, 10, or 20 years. The summary shows your current net worth, projected future net worth, SIP corpus, accumulated surplus, and net annual cashflow.
Inputs: ₹60L assets, ₹40L liabilities, ₹5,000/month SIP at 12%, ₹80,000/month income, ₹50,000/month expenses
Current Net Worth₹20,00,000
Projected Assets (10 yr @ 8% avg growth)₹1,29,53,000
SIP Corpus (10 yr @ 12%)₹11,61,695
Accumulated Surplus (cash)₹38,40,000
Projected Liabilities (10 yr)−₹40,00,000
Future Net Worth₹1,39,54,695
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.
Net Worth = Total Assets − Total Liabilities
How is Future Net Worth Projected?
Future NW = Projected Assets + SIP Corpus + Accumulated Surplus − Projected Liabilities
- Projected Assets: Each asset grows at its specified annual appreciation rate using compound growth.
- SIP Corpus: Monthly contributions with annual step-up, compounded at the expected return.
- Accumulated Surplus: Income minus expenses, EMIs, and SIP contributions — held as cash. Add it to a SIP to earn returns on it.
- Projected Liabilities: Outstanding balance reduced annually at the rate you specify.
How is Net Annual Surplus Calculated?
Net Annual Surplus = Annual Income − Annual Expenses − EMI Payments − SIP Contributions
A positive surplus means you are living within your means. Add it as a SIP entry above to put that cash to work.
Frequently Asked Questions
What growth rate should I use for assets?
Common assumptions: equity mutual funds 10–12%, real estate 5–8%, gold 7–8%, fixed deposits 6–7%. Use realistic, not best-case, estimates.
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.
Is my data saved anywhere?
No. All calculations happen entirely in your browser. Nothing is sent or stored.