Net Worth Calculator India — FY 2025-26
Calculate your total net worth — assets minus liabilities — with full category breakdown. See how you compare against the age-income benchmark, check if your asset allocation matches the ideal Indian portfolio (50–60% equity, 20–30% real estate, 5–10% gold), and get specific rebalancing suggestions.
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How to Use This Calculator
Calculate Net Worth tab
Enter all your assets at current market value — not purchase price. For real estate, use today's resale value (not the price you paid). For equity (stocks, MFs), use your current portfolio value. For PPF/EPF, use the current account balance shown in your passbook. Enter all outstanding loan principals under liabilities — the EMI is not the liability, the remaining principal is. The calculator shows total assets, total liabilities, your net worth, and a full asset allocation breakdown with percentages.
Net Worth Benchmark tab
Enter your age and annual gross income (CTC). The benchmark formula — Expected Net Worth = (Age × Annual Income) / 10 — comes from Thomas Stanley's research in "The Millionaire Next Door." Your net worth from Tab 1 carries over automatically, or you can enter it manually. The result tells you if you are Excellent, Good, Below Average, or Need Attention, with a rupee gap to close.
Asset Allocation Check tab
Asset data from Tab 1 flows automatically into this tab. It compares your current allocation against India-specific recommended bands: 50–60% equity, 20–30% real estate, 10–15% debt, 5–10% gold. You get specific rebalancing suggestions — which category to increase, which to trim, and how much — based on your actual portfolio.
Share your result
Every input is encoded in the URL. Click Share to send your exact net worth scenario to a spouse, financial advisor, or CA — or save it for comparison in 6 months.
Net Worth Formula
Assets include:
• Real estate — current market value of flat, house, land, plot (not purchase price)
• Equity — stocks, mutual funds (ELSS, index funds, active funds), NPS equity portion, PMS
• Debt instruments — FD, RD, PPF balance, EPF balance, NSC, SCSS, bonds, debt mutual funds
• Gold & jewellery — physical gold at today's rate × grams + SGB face value + digital gold
• Cash — savings account balance + cash in hand (not fixed deposits, those go in debt)
• Other — car resale value, business equity/stake, crypto, foreign investments, provident funds
Liabilities include:
• Home loan outstanding principal (not monthly EMI — the remaining principal balance)
• Car loan outstanding principal
• Personal loan outstanding principal
• Education loan outstanding principal
• Credit card outstanding balance (total unpaid amount)
• Other: loans from family, informal credit, business liabilities
Benchmark Formula (Thomas Stanley):
Expected Net Worth = (Age × Annual Gross Income) / 10
Example: Age 40, income ₹20 lakh → Expected = ₹80 lakh
Net worth is the single most important number in personal finance. Unlike income (a flow), net worth is a stock — it accumulates over years and is the true measure of financial progress. Track it every 6 months to ensure the trend is upward.
Example
Suresh — 40 years old, ₹20 lakh annual income, Pune
Suresh is 40, works as a senior manager at a manufacturing company in Pune. His CTC is ₹20 LPA. He bought a 2BHK flat 8 years ago, has been investing in SIP for 6 years, and has accumulated PPF and EPF. He has a home loan and a car loan outstanding.
Step 1: List all assets at market value
Step 2: List all liabilities
Step 3: Calculate net worth
Step 4: Benchmark check
Step 5: Allocation check
Suresh's key action: He is overweight real estate (common in India). He should not buy another property and should direct all new investments to equity SIP for the next 5 years to rebalance towards the 50% equity target. His net worth is ₹1.01 Cr — he is a crorepati at 40.