💰 Net Worth Calculator
Enter all your assets and liabilities across every category - cash, investments, property, loans, credit cards - to get your total net worth, debt-to-asset ratio, and liquid net worth. See how you compare to age and income benchmarks, check your financial health score, and get personalised recommendations on what to prioritise to build wealth faster.
💰 Net Worth Calculator
Liquid Assets
Investments
Real Estate
Other Assets
Home & Real Estate
Consumer Debt
Education & Other
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📊 Net Worth Benchmarks by Age
Median and recommended net worth targets by age group. Sources: Federal Reserve Survey of Consumer Finances, Fidelity, and financial planning standards.
| Age Group | US Median NW | Fidelity Target | Rule of Thumb |
|---|
Fidelity target = X times annual salary saved for retirement. Rule of thumb = (Age - 25) × Salary / 5.
Sources: Federal Reserve 2022 SCF, Fidelity Investment research.
📐 How Net Worth Is Calculated
The Net Worth Formula
What to Include as Assets
What to Include as Liabilities
Wealth Building Ratios
❓ Frequently Asked Questions
Net Worth Calculator - What It Is, How to Calculate It, and Why It Matters
Income tells you how much money flows into your life. Net worth tells you how much of it you kept. Two people can earn identical salaries for 20 years and end up with vastly different net worths based on spending habits, debt management, and investing behaviour. Net worth is the number that actually determines financial security - not income, not savings rate alone, but the cumulative outcome of every financial decision you've made.
What Goes Into Assets vs Liabilities
Assets - What You Own
- Liquid: Savings accounts, checking accounts, FDs, money market funds, cash
- Investments: Stocks, mutual funds, bonds, ETFs, PPF, NPS, ELSS
- Retirement: EPF balance, pension accounts, retirement funds
- Real estate: Current market value of properties (not purchase price)
- Vehicles: Current market value (depreciates over time)
- Business equity: Estimated value of a business you own
Liabilities - What You Owe
- Home loan: Outstanding balance (not original loan amount)
- Car loan: Outstanding balance
- Education loan: Outstanding balance
- Credit card debt: Current total balance (not credit limit)
- Personal loans: All outstanding loan balances
- Any other debts owed to individuals or institutions
Total Net Worth vs Liquid Net Worth
Total net worth includes everything - liquid assets, illiquid real estate, retirement accounts that can't be touched for decades, and vehicles that depreciate. It gives the full picture of accumulated wealth.
Liquid net worth is more conservative and arguably more practically useful for financial planning: it excludes illiquid assets (property, locked-in retirement funds, business equity) and focuses on what you could actually access in a crisis. Two people with identical total net worths can have very different financial resilience depending on how much of their wealth is liquid.
For retirement planning, your investable net worth (excluding the home you live in, which you need regardless) is most relevant - it's the pool that will generate income in retirement.
Net Worth Benchmarks - How to Interpret Where You Stand
Comparing your net worth to benchmarks provides context, but benchmarks must be used carefully - they're medians, not targets:
- Fidelity guideline: 1× annual salary at 30, 3× at 40, 6× at 50, 8× at 60, 10× at 67. This is a savings-focused benchmark primarily for retirement readiness.
- US Federal Reserve (2022): Median net worth under 35: ~$39K. Age 35-44: ~$135K. Age 45-54: ~$247K. Age 55-64: ~$365K. Average net worths are much higher (pulled up by the wealthy) - median is more representative.
- India context: Direct benchmarks are harder given income diversity, but a useful framework: by 30, net worth should at least equal one year's take-home pay. By 40, three to four times annual income. EPF balance is often a significant portion of early-career net worth for salaried employees.
The most important benchmark is your own trajectory - is your net worth growing consistently year over year? A net worth that increases by ₹5L each year is a strong signal regardless of the absolute number. Track it quarterly and you'll see the compounding effect accelerate over time.