Net Worth Calculator
Calculate your total net worth — assets minus liabilities.
Assets
Liabilities
Results
Your net worth
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Total assets
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Total liabilities
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Wealth ratio (assets ÷ liabilities)
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Track your real net worth in FlowTrack
FlowTrack lets you track your real net worth — updated every time you add an asset or expense. No bank linking needed.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
How to calculate your real net worth in India
Your net worth is the single most important number in personal finance. It's calculated by subtracting your total liabilities from your total assets. While your salary shows what you earn, your net worth shows what you've actually built.
In India, calculating net worth is uniquely complex because wealth is spread across many instruments — bank accounts, fixed deposits, mutual funds, EPF, PPF, real estate, gold, and more. On the liability side, home loans, personal loans, and credit card debt all reduce your net worth.
Track your net worth regularly — ideally monthly. A growing net worth means you're building wealth, regardless of short-term market fluctuations. This calculator gives you a starting point, but tools like FlowTrack make it easy to track everything in one place — just log your assets and liabilities manually.