Calculate your personal net worth — total assets minus total liabilities. Add your savings, investments, property, and debts to get a clear picture of your financial position.
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Use current market value — not purchase price. Property and stocks fluctuate.
Use outstanding balance — not original loan amount. Check your loan statements.
Check debt-to-asset ratio. Below 20% is excellent. Above 50% needs immediate attention.
Assets = everything you own that has monetary value: cash, investments, property, gold, vehicles.
Liabilities = everything you owe: loans, credit card debt, outstanding EMIs.
A positive and growing net worth is the goal of financial planning. Negative net worth means liabilities exceed assets.
A common benchmark: net worth should be roughly Age × Annual Income ÷ 10. At 35 with ₹12L income, target net worth = ₹42L. This is a guideline — context matters more than a specific number.
Yes, at current resale value — not purchase price. A car bought for ₹10L and now worth ₹6L contributes ₹6L to assets. Remember it depreciates every year.
Yes. EPF, PPF, and NPS are real assets even though they are locked in. Include the current accumulated balance from your UAN portal or passbook.
Once a year minimum — ideally quarterly. Tracking net worth over time is more useful than any single calculation. Consistent growth of 10–15% per year is a healthy trajectory.
A rough benchmark: net worth should be approximately (age - 25) × annual income / 10. A 35-year-old earning Rs 10 lakh/year should aim for Rs 10 lakh net worth. These are starting points, not hard rules.