Net Worth Calculator
Add up what you own and what you owe to find your net worth, with an asset breakdown.
Result
How to use
- 1
Enter the current value of everything you own.
- 2
Enter the outstanding amount of every loan and due.
- 3
See your net worth, debt ratio and how your assets are spread.
Questions
What is net worth?
Net worth = total assets − total liabilities. It is the money you would have left if you sold everything and paid off every loan. Track it once or twice a year; a rising net worth matters more than the number itself.
Which values should I use?
Today's market value for property, gold, shares and vehicles (a vehicle is worth much less than its purchase price), the current balance for EPF, PPF and NPS, and the outstanding principal for loans.
What is a healthy debt ratio?
Debt ratio = liabilities ÷ assets. Below 30–40% is comfortable; above 50% means most of what you own is financed by loans.
About this Net Worth tool
Net Worth Calculator — Add up what you own and what you owe to find your net worth, with an asset breakdown. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter the current value of everything you own.
Related reading
Articles that go with this tool
CTC vs In-Hand Salary: Why Your Offer Letter Number Isn’t What Reaches Your Bank
A ₹15 lakh CTC doesn’t mean ₹1.25 lakh a month in your account. A simple breakdown of CTC, gross and in-hand salary — PF, tax, gratuity and more — so you can compare job offers properly.
Sukanya Samriddhi Yojana: A Simple Guide for Parents of Daughters
Sukanya Samriddhi Yojana offers 8.2% interest (Oct–Dec 2026) and tax benefits for a girl child’s future. Who can open it, how much to deposit, when it matures — explained simply.
Home Loan Basics: How It Works and 6 Ways to Pay Less Interest
A home loan can cost you more in interest than the loan itself. Understand EMI, floating rates and the latest repo rate move — and learn simple prepayment tricks that can save lakhs.
Related tools
More money tools you may like
Results are estimates to help you plan. They are not financial, tax or medical advice.