Assets
- Bank accounts
- ₹3,20,000
- Fixed deposits
- ₹3,00,000
- Mutual funds
- ₹12,40,000
- Stocks
- ₹5,60,000
- PPF
- ₹3,10,000
- NPS
- ₹1,40,000
- EPF
- ₹2,30,000
- Gold
- ₹2,00,000
- Property
- ₹12,00,000
Total assets₹45,00,000
Net worth tracker
Net worth calculator and tracker for India.
Work out your net worth in a couple of minutes with the free calculator below, then use Finotop to track it over time — across bank accounts, mutual funds, stocks, PPF, NPS, EPF, gold, property and loans.
Net worth calculator
Enter today's approximate value for each item. Leave anything that doesn't apply blank. Everything is calculated in your browser — nothing is sent or saved.
How net worth is calculated
Net worth is everything you own minus everything you owe. It's the single number that tells you whether your financial position is improving over time.
Net Worth = Total Assets − Total Liabilities
What to include in your net worth in India
Assets
- Bank balances across savings, salary and NRE/NRO accounts
- Fixed and recurring deposits at principal plus accrued interest
- Mutual funds and stocks at current market value
- PPF, EPF and NPS balances from your latest passbook or statement
- Gold — jewellery, coins, gold funds or sovereign gold bonds — at today's value
- Property at a realistic resale value, not the purchase price
- Insurance with a surrender value, such as some endowment policies or ULIPs
Liabilities
- Home loan — the outstanding principal, not the original loan amount
- Car and two-wheeler loans
- Personal and education loans
- Credit card balances, including EMIs converted on your card
- Loans against gold, property or securities
- Money you owe family or friends, if you intend to repay it
From calculator to tracker
A one-time number is useful. A tracked number is powerful.
A calculator tells you where you stand today. Finotop's personal net worth tracker keeps every asset and liability in one place, so updating your net worth takes minutes rather than an afternoon with a spreadsheet.
- Record each account once and update values when they change
- See total assets, liabilities and net worth on your dashboard
- Understand your asset allocation by type
- Keep loan EMIs and card dues visible alongside your assets
Good evening
Sample data- Your Net Worth
- ₹38,60,000
- +4.2% this month
- Assets
- ₹45,00,000
- Liabilities
- ₹6,40,000
- Investments
- ₹24,80,000
- Upcoming payments
- ₹84,450
Asset allocation
- Mutual funds 28%
- Property 27%
- PPF, NPS & EPF 15%
- Bank & FDs 14%
- Stocks 12%
- Gold 4%
Upcoming
- HDFC Credit CardDue 18 Sep ₹18,450
- Home Loan EMIDue 5 Oct ₹42,000
- LIC PremiumDue 12 Oct ₹24,000
Net worth questions
Is the data I enter in the net worth calculator saved?
No. The calculator on this page runs entirely in your browser. Nothing you type is sent to Finotop or stored. To track your net worth over time, create a Finotop account.
Should I include my home in my net worth?
It's common to include property at a realistic current market value, with the outstanding home loan recorded as a liability. Some people also look at a second figure without their primary residence, because a home you live in is not easily converted to cash. Whichever you choose, be consistent each time you review.
How often should I update my net worth?
Monthly or quarterly works well for most people. Updating after major events, such as a bonus, a big purchase or a loan prepayment, keeps the picture accurate without becoming a chore.
Is a negative net worth a problem?
Not necessarily. Early in a career, or soon after taking a home or education loan, liabilities can be larger than assets. The direction your net worth moves over time is more useful than any single number.
Do insurance policies count as assets?
Pure term insurance has no cash value, so it's usually left out. Policies with a surrender or cash value, such as some endowment plans and ULIPs, can be included at their current surrender value.
Stop managing your financial life from memory.
Bring your accounts, investments, payments, documents and reminders together with Finotop.