Net Worth Calculator

Yes, accumulated balances in retirement accounts (EPF, PPF, NPS) belong to you and count toward your total assets, though they are classified as illiquid/semi-liquid due to withdrawal rules.

Only enter your current outstanding balance owed. Do not include your unused credit limit as a liability. If your card is paid in full each month and has zero balance, enter ₹0.

Always enter the current outstanding principal balance remaining on your loan, not the original sanctioned amount.

Liquid Net Worth is defined as Liquid Assets minus Total Liabilities. It measures the wealth you hold in readily accessible cash and bank deposits after accounting for total debts.

The debt-to-asset ratio expresses total liabilities as a percentage of total assets: (Total Liabilities / Total Assets) × 100. It shows the proportion of your assets financed by debt.

Income is a flow of money over time (e.g., monthly salary), whereas net worth is a point-in-time stock measure. Income only increases net worth when it is saved or invested to build assets or used to pay down liabilities.

No. All calculations and saved snapshot histories remain strictly inside your browser's local storage. No financial inputs or personal wealth data are ever transmitted to any server.