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Net Worth Calculator

Add your assets and liabilities to find your true net worth

Assets
Liabilities
Total Assets
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Total Liabilities
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Net Worth
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Assets Liabilities
Total Assets₹0
Total Liabilities₹0
Net Worth₹0
Debt-to-Asset Ratio0%
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What is Net Worth Calculator?

Calculate your net worth by adding your assets and liabilities. Track savings, investments, property, loans and credit cards. India-specific financial calculators built for the Indian tax system, RBI guidelines, and Indian banking rates. TekPulse's Net Worth Calculator is completely free — no signup, no ads in results, and no data stored on our servers.

How to Use Net Worth Calculator Online

  1. Add all your assets: cash, bank balances, investments (mutual funds, stocks), real estate, gold, EPF, PPF
  2. Add all your liabilities: outstanding loans (home loan, car loan, personal loan, credit card dues)
  3. Your net worth is calculated as Total Assets minus Total Liabilities
  4. View a visual breakdown of assets vs liabilities with a pie chart
  5. Save your inputs — track your net worth monthly to see your financial progress over time

Net Worth Calculator Formula & Calculation

Net Worth = Total Assets − Total Liabilities

Assets (cash, bank balance, investments, property, vehicles, etc.) are summed and liabilities (home loan, car loan, credit card dues, other debt) are summed; the difference is your net worth — a snapshot of financial position at a point in time, not income or cash flow.

Example: Assets = ₹45,00,000 (property ₹35L + savings ₹5L + investments ₹5L) and Liabilities = ₹18,00,000 (home loan outstanding) → Net Worth = ₹27,00,000.

Key Factors That Affect Your Result

  1. Asset valuation — Property and investment values fluctuate; use current market value, not purchase price, for an accurate picture — an outdated property valuation can significantly overstate net worth.
  2. Liquid vs illiquid assets — A high net worth driven mostly by illiquid assets (property, long-term investments) doesn't mean cash is readily available; track liquid net worth separately if you need to assess emergency readiness.
  3. Snapshot, not trend — A single net worth figure is less useful than tracking it over time (e.g., quarterly); rising liabilities relative to assets is an early warning sign even if net worth is still positive.

Why Use TekPulse Net Worth Calculator?

Runs Entirely in Your Browser
Your financial details are calculated locally — nothing is sent to our servers
14 Asset & Liability Categories
Covers savings, FDs, mutual funds, property, gold, vehicles, loans, and credit cards
Debt-to-Asset Ratio
See a visual breakdown of assets vs liabilities, plus the ratio between them
Instant Results
Net worth recalculates as you enter each figure

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Frequently Asked Questions

Net worth = Total Assets – Total Liabilities. It represents your true financial position. A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.

Include: cash and bank balances, fixed deposits, mutual funds and stocks, PPF/EPF/NPS balance, real estate value, gold and jewellery, vehicle current market value, and any business ownership.

Include: home loan outstanding principal, car or personal loan balance, education loan, credit card outstanding balance, any other dues or informal loans.

A popular rule: Net worth = Annual salary × (Age / 10). At 30 earning ₹10L/year, target net worth = ₹30L. At 40, target = ₹40L for the same salary. This is a rough benchmark, not a strict rule.

Increase assets: invest consistently in equity and real estate. Reduce liabilities: prepay high-interest debt first (credit cards, personal loans). Track net worth annually to measure progress.

Debt-to-asset ratio = Total Liabilities / Total Assets × 100%. A ratio under 50% is generally healthy. Above 80% means most of what you own is financed by debt, which is financially risky.

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