What is Net Worth?
Net Worth = Total Assets − Total Liabilities. It's the single most important number in personal finance — a snapshot of your overall financial health.
Track net worth quarterly or annually to measure progress. A growing net worth means you're building wealth. Common benchmarks: By age 30, aim for net worth = 1× annual salary. By 40: 3×. By 50: 6×. By 60: 8×.
Formula
Net Worth = Assets − Liabilities Assets include: - Cash, savings, emergency fund - Investments (stocks, MF, FD, PPF, NPS) - Real estate market value - Gold, vehicles, other valuables Liabilities include: - Home loan outstanding - Car/personal/education loans - Credit card balances Debt-to-Asset Ratio = Liabilities / Assets × 100 Below 50% is healthy
How to use this Net Worth Calculator?
1. Enter all your assets at current market value. 2. Enter all outstanding loan balances. 3. See your net worth and debt-to-asset ratio. 4. Track monthly/quarterly to measure progress.