Net Worth Calculator — everything you own minus everything you owe
Add your bank balances, investments, retirement savings, gold and property, then your loans and card dues. See your net worth, how much of it you could use quickly, and how much of what you own is borrowed.
What you own
- Bank, cash & investments₹5,55,00058%
- PF, gold & property₹4,00,00042%
Spendly adds up your banks, investments, loans and cards into one net worth, with the change since last month.
Track my net worth →How it is calculated
Net worth is the value of everything you own minus everything you owe. Use today’s values: what your investments are worth now, not what you paid.
The calculator also shows the quickly usable part — bank, cash and market investments — because PF, gold and property cannot pay a bill next week. Debts as a share of what you own is a quick check on how much of your wealth is borrowed.
Net worth = (bank + cash + investments + PF/PPF/NPS + gold + property) − (home loan + other loans + card dues)
Questions
How do I calculate my net worth?
Add up what you own at today’s value, add up everything you owe, and subtract. Do it on the same day each time so the numbers are comparable.
Should I include my house?
You can — it is an asset. Many people track net worth both with and without their home, because a home you live in cannot easily be spent.
What is a good net worth?
There is no single number. More useful is whether it grows every year. A common rule of thumb says net worth should reach your yearly income × (your age ÷ 10), but it ignores where you started.
Can Spendly track my net worth automatically?
Yes. Spendly adds up your accounts, investments (priced daily), loans and card dues into one net worth on Home, with the change since last month.