Net Worth Calculator.
Calculate your total assets, liabilities, debt ratio and personal net worth instantly.
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How to Use
Enter Assets
Add cash, investments, property, vehicles and other assets.
Enter Liabilities
Add home loan, car loan, credit card debt and other loans.
Check Net Worth
View net worth, total assets, liabilities and debt ratio.
Net Worth Formula
Personal Wealth Formula
Net Worth = Total Assets - Total Liabilities
Everything you own with value
Everything you owe
Your real financial position
Worked Example
If your total assets are ₹38,50,000 and your total liabilities are ₹16,50,000, your net worth is ₹22,00,000. This means after clearing all debts, your real personal wealth is ₹22 lakh.
Complete Guide
Net worth is one of the clearest ways to understand your financial health. Income shows how much money you earn, but net worth shows how much wealth you actually keep after subtracting debt.
Pro Tip: Track net worth every month or quarter. The trend is more important than one single number.
A person can have a high salary but low net worth if expenses and loans are high. Another person can have modest income but strong net worth if they save, invest and avoid unnecessary debt.
Assets should be entered at realistic current market value. Property should not be entered at emotional value, vehicles should be entered at resale value, and investments should be entered at current portfolio value.
Liabilities should include every outstanding debt: home loan, car loan, personal loan, credit card balance, education loan, business debt and money borrowed from friends or family.
To improve net worth, focus on two sides together: grow assets and reduce liabilities. Regular investing, emergency fund planning, faster debt repayment and avoiding high-interest borrowing can improve your net worth over time.
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Net Worth FAQ Hub
Everything you need to know about assets, liabilities and net worth.
1. What is a net worth calculator?
A net worth calculator is an online tool that calculates your personal wealth by subtracting total liabilities from total assets.
2. How is net worth calculated?
Net worth is calculated using the formula: Net Worth = Total Assets - Total Liabilities.
3. What are assets in net worth?
Assets include cash, bank balance, investments, property, vehicles, gold, business value and other items you own that have financial value.
4. What are liabilities in net worth?
Liabilities include home loan, car loan, personal loan, credit card debt, business debt and other money you owe.
5. Is home value included in net worth?
Yes, the current market value of your home can be included as an asset, while the outstanding home loan is included as a liability.
6. Is car value included in net worth?
Yes, you can include the estimated resale value of your vehicle as an asset, but vehicles usually depreciate over time.
7. What is positive net worth?
Positive net worth means your total assets are higher than your total liabilities.
8. What is negative net worth?
Negative net worth means your total liabilities are higher than your total assets.
9. Why is net worth important?
Net worth shows your overall financial position and helps you track whether your wealth is increasing or decreasing over time.
10. How often should I calculate net worth?
Many people calculate net worth monthly, quarterly or yearly to monitor progress and financial health.
11. Does salary count as net worth?
Salary is income, not net worth. However, money saved from salary can become part of your assets.
12. Should I include EPF or retirement savings?
Yes, EPF, NPS, pension funds and retirement investments can be included if they have a measurable current value.
13. Should I include jewellery or gold?
Yes, gold and jewellery can be included at realistic resale or market value, not emotional or purchase value.
14. What is debt ratio in net worth?
Debt ratio compares total liabilities with total assets. A lower debt ratio usually indicates a stronger financial position.
15. How can I improve my net worth?
You can improve net worth by increasing savings, investing regularly, reducing debt, buying appreciating assets and avoiding high-interest loans.
16. Can this calculator be used by business owners?
Yes, business owners can use it for personal net worth, but business valuation should be entered carefully and conservatively.
17. Does this calculator include taxes?
No, this calculator gives a simple estimate. Taxes, transaction costs and liquidation costs are not included.
18. Is net worth the same as cash balance?
No, cash balance is only one asset. Net worth includes all assets minus all liabilities.
19. Does HQCalc store my financial data?
No, HQCalc does not store your entered net worth data. The calculation runs in your browser.
20. Is this net worth calculator free?
Yes, HQCalc net worth calculator is completely free and does not require sign-up.