Net Worth Calculator India — FY 2025-26
Calculate your total net worth — assets minus liabilities. For India. Uses current FY 2025-26 data.
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Bank accounts, cash at hand, liquid mutual funds
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Current market value of all investments
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EPF balance + NPS balance + PPF balance
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Current market value of property owned
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Gold jewellery, vehicle resale value, business equity
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Remaining home loan balance
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Total outstanding balance on all other loans
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Total credit card balance you owe
Common questions — India
Should I include my primary home in net worth?
Include it, but recognize it's illiquid — you can't easily convert it to cash without finding somewhere else to live. Many financial planners calculate "investable net worth" separately, excluding primary residence, to get a more actionable picture of deployable wealth.
Should I include EPF and PPF in net worth?
Yes, these are real assets. EPF and PPF balances are part of your net worth even if they're locked. The caveat: they're not liquid for many years. Track "liquid net worth" (cash + investments + FDs) separately for short-term financial health assessment.
What is a good net worth for my age?
A common benchmark: net worth should be approximately (age - 25) × annual income / 5. At 35 with ₹12 lakh annual income: target net worth = 10 × 12L / 5 = ₹24 lakh. This is rough — someone who paid off education loans at 30 will start the curve later.
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Net worth is an accounting concept: assets minus liabilities. Wealth is more holistic: it includes human capital (earning capacity), social capital, health, and freedom. A doctor with negative net worth due to student loans may have more "wealth" than an older person with positive net worth but no earning capacity.
How often should I calculate my net worth?
Annually at minimum — a birthday or New Year's day habit works well. Quarterly for those actively building wealth. Monthly tracking can be motivating but also obsessive. The key is noticing trends: is it growing? Is debt declining relative to assets?