FREE CALCULATOR
Net worth calculator for India
What you own, minus what you owe. The fields below are the ones Indian households actually hold - EPF and PPF, SIPs, gold, a flat with a loan against it, a chit fund - rather than a generic list. The maths runs in your browser and none of your figures are saved or sent to us.
WHAT YOU OWN
₹58,50,000
Bank balances and cash
Savings, current, FDs maturing within a year
₹
Stocks and mutual funds
Demat holdings, SIP corpus, ELSS
₹
EPF, PPF and NPS
Current balance, not this year's contribution
₹
Gold and silver
Jewellery at resale value, coins, SGBs, gold funds
₹
Property
Realistic resale value today, not the purchase price
₹
Other assets
Chit fund corpus, lent money you expect back, vehicles
₹
WHAT YOU OWE
₹33,78,000
Home loan
Outstanding principal, not the original loan
₹
Vehicle loan
Outstanding principal
₹
Personal and education loans
Outstanding principal
₹
Credit card dues
Everything unpaid, including anything on EMI
₹
Money you owe people
Family, friends, a chit fund you are behind on
₹
NET WORTH
₹24,72,000
₹24.72 L in the way most people say it. Assets of ₹58.50 L against ₹33.78 L of debt.
Total assets
₹58,50,000
Total debt
₹33,78,000
Debt against assets
58%
Liquid, right now
₹1,80,000
HOW REACHABLE IT IS
Reachable this week
3%
Bank balances and short FDs. This is what an emergency actually has access to.
Reachable in days
16%
Equity, funds, gold and money owed to you - sellable, at whatever the price is that week.
Not really reachable
81%
Property, EPF, PPF and NPS. Real wealth, but not available for a hospital bill on Tuesday.
Getting the numbers right
Property at resale, not at purchase
Use what a similar flat in the same building sold for recently. Carrying the purchase price for years is the single biggest source of an inflated net worth.
Loans at outstanding principal
Not the sanctioned amount, and not the amount left including future interest. Your latest statement or the bank app shows the principal outstanding, which is the number that belongs here.
Gold at resale value
Jewellery sells below its billed price - making charges do not come back, and a buyer pays for the gold weight. Using the bill overstates it.
EPF is yours, and it is not liquid
Include the full balance, because it is genuinely your money. But keep it in the locked bucket: withdrawal is conditional and slow, so it cannot cover an emergency.
Count credit card dues in full
Including anything converted to EMI. A card balance is the most expensive debt most households carry, and leaving it out flatters the total.
Track it quarterly, not weekly
Net worth moves with markets and property prices, neither of which you control. The trend across a year is the signal; a month-to-month wobble is noise.
A net worth you type in is out of date tomorrow.
Vittafy keeps this figure current from the broker, fund and bank mail already arriving in your inbox, read on your phone. No Vittafy account, no server holding your holdings. Free on Android 10 and above - Play Store or a direct APK, whichever you prefer.