Guide
Net worth: what you own, what you owe and what the ratio tells you
Net worth is the simplest honest summary of your finances: everything you own, minus everything you owe. Income tells you what comes in, a budget tells you what goes out, and net worth tells you where you stand at a given moment. It rises when you save, repay debt or your investments grow, and it falls when you borrow to spend. Writing it down once is a surprise to many people; writing it down regularly is the best habit in this whole category.
Listing assets and liabilities
Write one item per line in the two boxes. Assets are things you could sell or withdraw: bank balances, deposits, mutual funds and shares, retirement accounts, property, a vehicle or gold. Liabilities are amounts you still owe: home and car loans, education loans, credit card balances and any money owed to friends. The page reads a line as a name followed by an amount, with a comma, a colon or just a space between them, so “Home (market value), 4500000” and “Credit card 25000” both work.
Valuing things sensibly
Use what you could realistically sell an asset for today, after any costs, not what you paid or what you hope for. A car is worth its resale price, a home the price comparable homes are selling at, and a share its current market value. For a loan, use the outstanding balance on the statement, not the original amount. Leave out personal belongings with little resale value, such as clothes and furniture, unless you intend to sell them.
A worked example
The sample lists savings of 2,50,000, fixed deposits of 4,00,000, mutual funds of 8,00,000 and a home worth 45,00,000, so assets are 59,50,000. Liabilities are a home loan of 28,00,000, a car loan of 3,50,000 and a credit card of 25,000, a total of 31,75,000. Net worth is 27,75,000. Liabilities are 53.4% of assets, and there are 1.87 of assets for each 1 owed. The tables show the home is 75.6% of assets and the home loan 88.2% of debts. The early-career sample, with 1,75,000 in assets and 4,68,000 in debts, gives a net worth of −2,93,000 and a warning.
Reading the ratios
Liabilities as a share of assets, sometimes called the debt-to-asset ratio, shows how much of what you own is financed by borrowing. The lower it is, the less of what you own is borrowed, and above 100 percent you owe more than you own. The share of each item shows concentration. When most of your wealth is a single asset such as a house, a fall in its price moves your net worth sharply, and a plan to build financial assets alongside it reduces that risk.
Edge cases
A negative net worth is common for young people with education loans or for new homeowners with large mortgages, and the warning is a prompt rather than a verdict. Amounts with a currency symbol such as ₹ or $ are accepted. A line with no amount is rejected with a message naming the section and line. If a liability box is empty, only assets are used, and the ratios say no debts.
Limits
Values are only as good as what you enter. The page does not fetch prices or remember history; note the date and result yourself. Everything stays in your browser.
Related tools
- Emergency Fund Calculator sizes the cash cushion that should sit among your assets.
- Debt Payoff Calculator plans how to bring the liabilities column down.
- Retirement and FIRE Calculator shows whether your assets are growing fast enough for your goals.
- DTI Calculator measures debt against income rather than against assets.
Checked against the current version of the Net Worth Calculator on .