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💎 Net Worth Calculator

Add your assets and liabilities to know your true financial position.

💰 Assets (What You Own)

💳 Liabilities (What You Owe)

💎

Enter your details

Fill in your assets and liabilities to calculate your net worth.

💡 Net Worth Targets by Age (rule of thumb)
  • Age 30: Net worth ≈ 1× your annual income
  • Age 40: Net worth ≈ 3× your annual income
  • Age 50: Net worth ≈ 6× your annual income
  • Age 60: Net worth ≈ 10× your annual income (retirement-ready)
  • Debt ratio: Total EMIs should stay below 40% of take-home; total liabilities <50% of assets
📊 Pro tip: Track your net worth every quarter. Include all — PF, PPF, stocks, MFs, gold, real estate minus home loan, car loan, credit card dues. The trend matters more than the absolute number.

⚠️ Disclaimer: This net worth tracker is for personal self-assessment only. Asset values entered are your estimates and may differ from actual market values. This tool does not provide investment advice or financial planning services. Moneykar does not store your financial data — all calculations happen in your browser.

Educational reference
Instrument landscape
Types of instruments commonly used for this goal. For educational purposes only — not investment advice. Returns shown are historical or indicative and are not guaranteed. Consult a SEBI-registered investment advisor before making any investment decision.
Asset class Liquidity Inflation hedge Risk Regulator Tax on gains
Equity Mutual Funds High Strong Moderate–High SEBI LTCG 12.5% (above ₹1.25L); STCG 20%
Fixed Deposits Medium (break early) Weak Very Low RBI Interest taxable as income
Gold (physical) Medium Strong historically Moderate None specific LTCG 20% with indexation (above 3 yr)
Gold ETF / Sovereign Gold Bonds High (ETF) / Low (SGB) Strong Moderate SEBI / RBI SGB: exempt at maturity; ETF: LTCG 20%
Real Estate Very Low Strong Moderate RERA (state-level) LTCG 20% with indexation (above 2 yr)
Debt Mutual Funds High Weak Low SEBI Taxed as income (post Apr 2023 amendment)
EPF / PPF Low (rules apply) Moderate Very Low EPFO / MoF Exempt
Regulators: SEBI — Securities and Exchange Board of India  ·  RBI — Reserve Bank of India  ·  PFRDA — Pension Fund Regulatory and Development Authority  ·  IRDAI — Insurance Regulatory and Development Authority of India  ·  MoF — Ministry of Finance  ·  EPFO — Employees' Provident Fund Organisation  ·  FEMA — Foreign Exchange Management Act  ·  RERA — Real Estate (Regulation and Development) Act

💡 Why Track Net Worth

The True Score
Net worth = Assets minus Liabilities. A more complete picture of financial health than income alone.

Track Progress
Reviewing net worth quarterly helps you see if wealth is growing — even when monthly cash flow feels tight.

Debt Awareness
Many people underestimate liabilities. Seeing the full picture motivates paying off high-interest debt faster.

📌 What To Do Next

Now that you see your net worth, set a goal to grow it. Use the SIP calculator for investments and Retirement Planner for targets. Always consult a qualified financial advisor before making any financial decisions.

Set Financial Goals →

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