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Net worth calculator

What you own minus what you owe, added up line by line: investments, then bank, retirement and other accounts, less every loan and card balance.

Net worth = investments + accounts − liabilities · reviewed 13 Oct 2026

Investments

At today's value: what your broker or fund house shows, in rupees.

Accounts

Balances today. EPF and PPF are locked in for years, but they are yours, so they count.

Liabilities

What is still owed today, not what was first borrowed.

What you type stays in this page: the sums run in your browser, and nothing is sent anywhere.

Net worth

₹19,18,637

= ₹9,16,037.36 investments + ₹14,41,000.00 accounts − ₹4,38,400.00 liabilities

Net worth is ₹19,18,637: ₹23,57,037 owned, ₹4,38,400 owed.

  1. Investments
  2. Shares and ETFs
  3. Mutual funds
  4. Sovereign Gold Bonds
  5. Crypto
  6. Cash with your broker
  7. Accounts
  8. Bank accounts and cashCash & bank
  9. EPFRetirement
  10. PPFRetirement
  11. Liabilities
  12. Car loan
  13. Credit cards
  14. Net worth

How it adds up

  • Investments at today's value, not at what they cost.
  • Accounts are everything else you own: bank balances and fixed deposits, EPF, PPF and NPS, and gold, property or a vehicle at a value you choose.
  • Liabilities at what is still owed: a loan's outstanding balance, a card's balance today.
  • Each thing counts once. A mutual fund belongs under investments, so it is not an account as well; a home with its home loan counts both, the home under accounts and the loan under liabilities.
  • Every amount is added in paise, so the working adds up to the figure exactly.

The example is Pocket's sample person, the same figures as on Pocket's homepage.

The same sums in Pocket

Pocket works the same figures out from your own entries, on your own device, and keeps each one's working a tap away. It is free on Windows, macOS, Linux and Android: download Pocket.

Other calculators: Old vs new tax regime calculator · SIP calculator. The guide: How to work out your net worth in India. Pocket is a tracking and planning tool; these calculators work figures out, they are not financial, tax or investment advice.