Net worth is one subtraction, and almost everyone gets it wrong in the same two ways: they count the house they live in as if it were spendable, and they forget the loan sitting against an asset they just counted. This adds up both sides properly and then separates the total into what is liquid and what is not — because a crore in property and a crore in mutual funds are not the same crore.
Current value, not amount invested.
Latest passbook balance.
Physical, digital, SGB or ETF, at today’s price.
Realistic sale price, not the circle rate.
Anything you would actually sell or rent out.
Principal left, not the EMI.
Car, personal, education, gold loan.
Anything not clearing this month.
This calculator needs JavaScript. On paper: add every asset, subtract every liability. The subtlety is which assets are actually available to you, which is what the liquid figure below separates out.
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Assets are counted at what they would fetch today, not what you paid. The home you live in is included in net worth because you own it, but excluded from liquid net worth because you cannot spend it without moving. Gold, property and unlisted holdings are estimates by nature. No allowance is made for capital gains tax, stamp duty or brokerage on a sale, all of which reduce what you would actually receive.
Counting the house as spendable. A flat worth ₹80 lakh with ₹52 lakh of loan against it contributes ₹28 lakh of equity to your net worth. That is genuine wealth and it belongs in the total. What it is not is money you can use, because accessing it means selling the roof over your head or borrowing against it again. That is why the liquid figure is separated out rather than buried in a footnote.
Counting an asset and forgetting its loan. Gold you have pledged, a car with three years of EMI left, an education loan still running — each has an asset on one side of the ledger and a liability on the other. Net worth only means something when both sides are complete. A credit card balance you are revolving belongs here too; at 36–42% annualised it is the most expensive line on most Indian balance sheets.
Total net worth in most Indian households is dominated by property, so it tends to move in slow, lumpy steps that have very little to do with anything you did that month. Liquid net worth — funds, stocks, cash, gold, minus short-term debt — responds to your actual behaviour. If you want a number that reflects decisions rather than the property market, watch that one.
The split also changes what a shortfall means. Someone with ₹1.2 crore of net worth and ₹9 lakh of it liquid is in a materially different position from someone with the same total held in mutual funds, even though the headline figure is identical. This is the argument the net worth tracker is built around.
Monthly is enough, and quarterly is fine. Mutual fund and stock values move daily but re-checking them daily changes nothing except your blood pressure. Gold and property need an annual sanity check at most — and for property, use what comparable flats in the building actually sold for, not what the last asking price was. Sellers ask; buyers pay. Only one of those is data.
EPF is the line people forget entirely. It is usually one of the two largest assets a salaried Indian owns, and it sits in a passbook nobody opens. Include it, and check it once a year against the actual statement rather than estimating from contributions.
Yes, in net worth — you own it, so it counts, less the outstanding loan. No, in liquid net worth, because you cannot spend it without selling or borrowing against it. Keeping both figures visible avoids the common error of feeling wealthy on paper while being unable to fund six months of expenses.
Yes. EPF is your money, held on your behalf, and for most salaried Indians it is among their two largest assets. It is illiquid until retirement or a permitted withdrawal, so it belongs in total net worth but not in the liquid figure. Use the latest passbook balance rather than estimating from contributions.
Value the gold content at today’s market rate, not the invoice. Jewellery invoices include making charges and GST that you will not recover on sale, and jewellers typically deduct further on buyback. Weigh the pieces, apply the current per-gram rate for the purity, and treat that as the figure.
Any balance that will not clear in full this month does. Card debt in India carries roughly 36–42% annualised interest, which makes it the most expensive liability most households hold. A balance you clear monthly is just a payment method and does not need recording here.
There is no honest benchmark, because Indian household wealth is overwhelmingly property and inheritance-driven, which makes cross-household comparison close to meaningless. A more useful test is whether liquid assets cover six months of expenses, and whether net worth is rising year on year at a rate that reaches your own target.
TLDR Money reads your mutual fund and stock holdings from the statements you already receive, tracks EPF and gold alongside them, and keeps both the total and the liquid figure current. No bank login, no commission on anything you hold.
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Calculator and assumptions last reviewed 5 August 2026.
This is an explanation of arithmetic, not advice about your money. TLDR Money is not a registered investment adviser and earns nothing from any product mentioned here. Figures are illustrative; your own numbers, taxes and circumstances will differ.