Net worth calculator
Add up what you own, subtract what you owe, and get the single number that shows whether your money is moving forward.
What you own
What you owe
Your position
Nothing you type is stored or sent anywhere — the maths runs in your browser.
How this net worth calculator works
List what you own, list what you owe, and the difference is your net worth. It is the only figure that captures saving, investing and debt repayment in a single number.
| Side | Typical entries |
|---|---|
| Assets | Bank balances, deposits, mutual funds, stocks, EPF and NPS, gold, property |
| Liabilities | Home loan, car loan, personal loan, education loan, credit card balances |
Track the direction, not the value
A single reading tells you little. Two readings a year apart tell you whether your money is compounding or leaking. The debt-to-assets ratio below adds useful context: high borrowing against modest assets is fragile even when net worth is positive.
What to do next
Read the financial health guide for the other checks worth running, then use the budget calculator to raise the savings rate that moves this number.
Follow how to calculate your net worth for what to include and leave out. A positive total does not by itself show liquidity or adequate insurance. IRDAI insurance and policyholder resources explain insurance terms; insurance cover is not an asset balance.
Frequently asked questions
What counts as an asset?
Anything you could realistically convert to money: bank balances, fixed deposits, mutual funds, stocks, provident fund, gold and property at a fair market value. Personal items you would never sell are usually left out.
Should I include my home if I live in it?
You can, as long as the outstanding home loan sits on the liabilities side. Including one without the other makes the number meaningless.
Is a negative net worth bad?
Not necessarily. It is common early on, especially with an education loan. What matters is the direction over a few years, not the sign on any single day.
How often should I calculate it?
Once a quarter is plenty. Checking more often mostly measures market noise rather than your own progress.
Go deeper
Your next step
- See the full guideFinancial health — the complete guideWhere do I actually stand right now?
- Go deeperBudget calculatorSplit your take-home pay into needs, wants and savings, and see what is left unassigned.
Put this into your own situation. North keeps your Money Map — what you own and owe — so the number updates as your situation changes.
Try North
These calculators are educational tools, not financial advice. Any figure involving an assumed rate of return is a projection, not a promise. See all North tools.