Personal Net Worth Calculator
Personal Net Worth Calculator
Calculate your total assets minus liabilities
1. Total Assets
2. Total Liabilities
Your Total Net Worth
₹14,50,000
Gross Assets
₹28,00,000
Gross Liabilities
₹13,50,000
Debt-to-Asset Leverage Ratio48%
Moderate leverage typical of early-tenure home buyers.
The Accounting Equation for Personal Wealth
Your net worth is the single most accurate gauge of long-term financial security. While income indicates how much money flows in monthly, net worth shows how much permanent value you have retained after clearing debts:
Net Worth = Total Assets (Liquid + Investments + Real Estate) − Total Liabilities (Home Loans + Personal Loans)
Frequently Asked Questions
Should I include my primary residential house in net worth?
Yes, but only the equity value (Current Fair Market Value minus Outstanding Home Loan Principal). Be conservative with property valuations to avoid paper illusions. Read our in-depth guide on Assets vs Liabilities.
Why exclude cars and electronics from assets?
Vehicles and consumer electronics depreciate rapidly and cannot easily be converted to cash at purchase prices during financial distress. Excluding them keeps your balance sheet conservative and realistic.