Calculate your total net worth by adding all assets and subtracting all liabilities. Track your financial health.
📖 Read our detailed guide: Net Worth Calculator India — everything you need to know
Read Guide →Age 30: ₹20-50L, Age 35: ₹50L-1.5Cr, Age 40: ₹1.5-3Cr, Age 50: ₹3-8Cr. These are rough benchmarks. A simpler rule: your net worth should equal your annual salary multiplied by your age divided by 10.
Yes, but conservatively. Include the current market value minus outstanding home loan. A ₹60L home with ₹40L loan outstanding contributes only ₹20L to net worth. Many financial advisors exclude the primary home from investable net worth calculations.
Net worth includes all assets (including illiquid ones like property, EPF). Liquid net worth includes only assets you can access within 30 days — cash, stocks, mutual funds. Liquid net worth is more important for financial emergencies.
Calculate every 6 months minimum. Track it in a spreadsheet. Seeing your net worth grow is motivating and helps identify where to focus — either increasing assets or reducing liabilities.
According to Credit Suisse Global Wealth Report, median adult wealth in India is approximately $3,500-4,000 (₹3-3.5L). Mean (average) is much higher at ~$15,000-16,000 due to the ultra-wealthy skewing the average.