Calculate Your True Net Worth — Assets Minus Liabilities
💼 Assets
🏦 Liabilities
Your Net Worth
₹0
Total Assets
₹0
Total Liabilities
₹0
Debt-to-Assets Ratio
0%
Liquid Assets
₹0
📊 Average Net Worth by Age — India (2026 Estimates)
Age Group
Median Net Worth
Healthy Target
25–30
₹3–8 lakh
1× annual income
30–40
₹20–60 lakh
3–5× annual income
40–50
₹60L–₹1.5Cr
7–10× annual income
50–60
₹1.5Cr–₹4Cr
15–20× annual income
60+
₹2Cr–₹8Cr
25× annual expenses (retirement)
FAQs
Should I include my home in net worth?
Yes — but distinguish between primary residence (you live in it, not easily liquidated) and investment property. Track both in net worth, but for financial planning, exclude your primary home's value from "investable net worth." The rule: your home is an asset but not a retirement asset unless you plan to downsize.
How often should I calculate net worth?
Quarterly or semi-annually is ideal. Annual is minimum. Monthly tracking can cause anxiety from short-term fluctuations (stock market moves). The goal is to see the trend — is net worth growing each year? Aim for net worth to grow 15–20% annually in your wealth-building years.