How to calculate your net worth (and track it every month)
Everything you own minus everything you owe — bank, investments, loans and cards, in one number that updates itself.
1Work it out in Spendly
- Add bank and cash balancesHome›+ Add account
- Bring in your investmentsInvest›Import
A CAS for mutual funds, a holdings file for stocks and crypto.
- Add loans and credit cardsHome›Loans & EMI
What you owe counts against what you own.
- See it on HomeHome›Net worth
“▲ ₹24,500 since last month” once a month has passed.
Pick this, not that
Good to know
Net worth = cash + bank + investments + other assets − loans − card dues − money you owe.
Optional. Many people leave them out to track what they can actually use.
💡 Your net worth, updated every day, with the change since last month.
Track mine free →Questions
How do I calculate my net worth?
Add up what you own — cash, bank balances, investments at today’s value and other assets — and subtract what you owe: loans, credit card dues and money borrowed from people.
What is a good net worth by age in India?
A common yardstick is your yearly income × (age ÷ 10). More useful is whether it grows every year — track the change, not a single number.
Should I include my house in net worth?
You can. It is an asset, but you cannot spend it without selling it, so many people track net worth both with and without their home.
How often should I check my net worth?
Monthly is enough. Spendly shows the change since last month on Home.