Net Worth Calculator
Net worth is the one number that captures your whole financial position in a single figure: everything you own, minus everything you owe. This calculator works in rupees or dollars, and it asks for the assets Indians actually hold, EPF, PPF, NPS, gold, and insurance surrender value, which most tools quietly leave out. It also shows how much of your net worth is liquid, and compares your result against a real government benchmark, the kind of number most tools replace with a made-up rule of thumb. It is an educational estimate, not financial advice.
Used only to show the US age benchmark. Optional.
What you own (assets)
Savings, current and cash in hand.
FD and RD balances.
Direct shares at current market value.
Equity and debt funds at current NAV.
From your passbook. Locked until exit, so not liquid.
Current balance. 15-year lock-in.
Tier I corpus. Locked until 60.
Value the gold content at today's rate, not the bill or making charges.
Today's market value. Enter any home loan below as a liability.
LIC or endowment surrender value, not the sum assured. Term plans are worth zero here.
Vehicles, business stake, anything else.
What you owe (liabilities)
Your net worth
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How does the net worth calculator work?
The net worth calculator adds up the current value of everything you own, then subtracts everything you owe, and the difference is your net worth. You pick your currency, enter each asset at its market value today, and enter each debt at its outstanding balance. The tool totals both sides, subtracts liabilities from assets, and also shows your liquid assets, your debt-to-asset ratio, and how you compare to a benchmark.
The one place people trip is the family home. A home is not a clean asset, because part of it belongs to the bank. Enter the property at its market value as an asset and the outstanding loan as a liability, and the calculator nets them to your actual equity. That is why the home gets two separate boxes here.
How do you value each asset honestly?
Every asset in your net worth should be entered at what it would fetch today, not what you paid for it or what it might be worth later. That sounds obvious, but a few assets trip Indian savers in particular, and getting them wrong throws off the whole figure.
| Asset | Value it at | Common mistake |
|---|---|---|
| Gold and jewellery | Gold content at today's rate | Using the bill value or including making charges, which you won't get back |
| Property | Current market value | Using the purchase price, or forgetting to net off the home loan |
| Insurance | Surrender value today | Using the sum assured. A term plan is worth zero here |
| EPF, PPF, NPS | Current passbook balance | Leaving them out, which understates most salaried Indians' wealth |
| Car and vehicles | Resale value today | Using the on-road price you paid, ignoring depreciation |
Insurance is the sneakiest of these. A traditional LIC or endowment policy has a surrender value that grows over time, and that figure, not the sum assured, is your asset. A pure term plan pays out only on death, so it adds nothing to your net worth while you're alive.
What is liquid net worth, and why does it matter?
Liquid net worth is the slice of your wealth you could turn into cash within days without a penalty: cash, deposits, stocks, and mutual funds, minus your debts. It leaves out the wealth locked in your home, your EPF and NPS, and gold that sells below its paper value. Two people can have the same net worth and completely different liquid positions.
This matters because a net worth that looks healthy can hide a cash problem. Someone with a 60 lakh net worth that is almost all home equity and EPF has very little to draw on if they lose their job next month. The calculator shows liquid assets as a separate line for exactly this reason. A big gap between your total and liquid figures isn't a red flag on its own, but it tells you how much of your wealth is actually within reach.
What is a good net worth for your age?
In the US, the Federal Reserve's 2022 Survey of Consumer Finances is the authoritative benchmark for net worth by age, and it reports the median rising from 39,000 dollars under 35 to about 410,000 dollars in the 65 to 74 bracket. The table below is the median and the average side by side, because the difference between them is the whole point.
| Age | Median net worth | Average (mean) |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35 to 44 | $135,600 | $549,600 |
| 45 to 54 | $247,200 | $975,800 |
| 55 to 64 | $364,500 | $1,566,900 |
| 65 to 74 | $409,900 | $1,794,600 |
| 75 or older | $335,600 | $1,624,100 |
The average is roughly four to five times the median in every age group, because a small number of very rich families drag the mean up. So when a headline says the average American under 35 is worth 183,500 dollars, the typical one is worth 39,000. Compare yourself to the median, never the mean.
India is a different story: there is no official net-worth-by-age benchmark at all. The RBI, NCAER, and the All-India Debt and Investment Survey publish household asset and debt data, but none produces a clean median-by-age table like the Fed's. Every "you should have X by 30" figure floating around Indian personal finance is a US salary-multiple rule of thumb converted to rupees. For rough scale, Credit Suisse estimated India's median wealth per adult at around 3,295 dollars at end-2021, a per-adult figure that isn't comparable to family net worth. Honestly, your own year-on-year trend is the benchmark that matters most.
What this calculator does not do
It takes a snapshot of today. It does not project your net worth into the future, factor in inflation, or forecast returns on your investments. It relies on the values you enter, so it is only as honest as your inputs, especially for a home or a business where the market value is a judgment call. It does not value a private business for you, and it does not give an India age benchmark, because no credible one exists. It is general education, not financial advice. For decisions about your own money, a SEBI-registered investment adviser in India or a CFP in the US is the right person to ask.
Pair this calculator with the guide
For what net worth means, why it beats income as a measure of financial health, and how to track it over time, read the guide to net worth. Net worth is the scoreboard for the whole system in the personal finance for beginners guide, and since your EPF balance is often the largest line on the asset side, the Employee Provident Fund guide explains how that number is built.
Frequently asked questions
How do you calculate net worth?
Net worth is everything you own minus everything you owe. Add up your assets at their current market value: cash, deposits, stocks, mutual funds, EPF, PPF, NPS, gold, property, and any surrender value on insurance. Then add up your liabilities: home loan, car loan, personal loan, education loan, gold loan, and credit card dues. Subtract the second total from the first. The result can be positive or negative, and either is a normal starting point.
Should you include your home in net worth?
Yes, but only your equity in it, never the full value. Enter the home at its current market value on the asset side and the outstanding loan on the liability side, and the calculator nets them to your real ownership. A flat worth 92 lakh with 54 lakh still owed adds 38 lakh to your net worth, not 92 lakh. Treating the whole market value as wealth while ignoring the loan is the most common net-worth mistake.
What is a good net worth for your age?
In the US, the Federal Reserve's 2022 Survey of Consumer Finances puts the median family net worth at 39,000 dollars under 35, 135,600 dollars at 35 to 44, and 409,900 dollars at 65 to 74. Use the median, not the average, because the average is pulled several times higher by the wealthiest households. India has no official net-worth-by-age benchmark from the RBI or any survey, so any India age target you see is a US rule of thumb in rupees. Your own trend over time is the more useful measure.
What is liquid net worth?
Liquid net worth is the part of your wealth you could reach quickly without a penalty: cash, deposits, stocks, and mutual funds, minus your debts. It excludes money locked in a home, retirement accounts like EPF and NPS, or gold that would sell below its paper value. The gap between total and liquid net worth tells you how much of your wealth you could actually spend in an emergency, which for most homeowners is a much smaller number than the headline figure.
Do EPF, PPF and NPS count as net worth?
Yes. Your EPF, PPF, and NPS balances are assets you own, so they belong in your net worth at their current passbook value. They are not liquid, because each is locked until retirement or a specific event, which is why this calculator counts them toward total net worth but not toward liquid assets. Many India calculators either drop these entirely or bundle them into one field, which understates the retirement wealth of most salaried Indians.
Can net worth be negative?
Yes, and it is common early on. A negative net worth simply means your debts are larger than your assets, which happens often with a fresh student loan, a new car loan, or a mortgage taken before the home has built equity. It is a snapshot, not a verdict. What matters is the direction it moves over the following years as loans shrink and assets grow.
Sources
- Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022: Survey of Consumer Finances, federalreserve.gov
- Credit Suisse Research Institute, Global Wealth Report 2022 (India wealth per adult), credit-suisse.com
- Reserve Bank of India, Report of the Household Finance Committee, rbi.org.in