Net Worth Calculator

What is Net Worth?

Net worth is the measure of an individual’s or a company’s true financial position, calculated by considering all assets owned and all obligations owed, thereby providing a clear snapshot of their economic health at a given period of time. All resources owned by an individual or a company have the potential to either contribute to wealth or impose financial burdens. These resources are mainly classified as assets and liabilities.

What is Assets

An asset is any valuable resource owned or controlled , with the potential to generate financial benefits or add to their wealth over time. Assets can be tangible, like cash, inventory, and property, or intangible, like patents, trademarks, and goodwill

Examples of Assets:

• Cash
• Investments
• Real estate
• Vehicles
• Furniture
• Patents and trademarks
• Business inventory

What is Liabilities

Liabilities are financial obligations that you must settle in the future. They represent the amount you owe.

Examples of Liabilities:

• Credit card debt
• Personal loans
• Home loan or mortgage
• Car loan
• Outstanding EMIs
• Taxes payable

CALCULATION OF NETWORTH

Net worth is calculated by taking the difference of total value of all assets and total value of the liabilities, showing what an individual truly owns after settling all the obligations.

Formula

NET WORTH = Value of all assets - Value of all liabilities

Example

A person owns the following assets:

• Car – ₹3,00,000
• Investments – ₹50,000
• Cash – ₹30,000
• Furniture – ₹20,000

Total Assets = ₹4,00,000

He also owes the following liabilities:

• Credit card debt – ₹40,000
• Home loan – ₹2,50,000

Total Liabilities = ₹2,90,000

Net Worth = ₹4,00,000 – ₹2,90,000 = ₹1,10,000

Understanding Net Worth Results

Positive Net Worth

when a company holds more assets than liability. Positive networth gives you a buffer for the emergency and investment opportunity.

Negative Net Worth

when a company owes more than its assets. With negative net worth, there’s no backup fund for emergencies and little scope to invest or grow money.

Zero Net Worth

when assets are equals to liability . It means you own exactly as much as you owe no surplus, no deficit.

How to improve your networth

1. Grow your earning

Focus on increasing your income through skills, side hustles, or better-paying opportunities to boost your overall net worth.

2. Invest wisely

Put your money into assets that align with your goals and risk appetite to generate long-term wealth.

3. Reduce high interest debts

Pay off loans and credit cards with high interest first to save money and improve your net worth.

4. Increase savings

Consistently set aside a portion of your income to build a financial cushion and strengthen your net worth.

Banifits of calculator networth

• A clear record of assets and liabilities helps you see your real net worth and financial health.
• Setting clear financial goals gives direction to your money, helping you save, invest, and grow smarter.
• Constantly reviewing your net worth keeps you aware of your progress and helps you take timely actions.

Manually calculating your net worth can be time-consuming and error-prone, which is why using online net worth calculators is a smarter and hassle-free option.

Features of an Efficient Net Worth Calculator

Visual Reports & Charts

Displays your financial health through simple graphs and comparisons over time.

Advice smart insits

Suggests areas to improve your finances like reducing debt or increasing savings according to the networth calculated.

Access to all asset and liabilities input

Lets you quickly add all your assets (cash, investments, property) and liabilities (loans, credit cards, EMIs) in one place.

Data privecy and security

Keeps your financial details safe and ensures no personal data is shared.

Finanjo net worth calculator

Finanjo’s Net Worth Calculator helps you track your financial health easily by bringing all your assets and liabilities into one place. It instantly shows whether your net worth is positive, zero, or negative, and gives insights to help you grow your wealth.

• All-in-One Dashboard: See your money, investments, and debts together at a glance.
• Future Wealth Projection: Understand where your money could be in 1, 5, or 10 years.
• Inflation Insights: Adjust your numbers to see real purchasing power over time.
• Actionable Tips: Get easy suggestions to improve your financial health and grow wealth.
• Mobile-Friendly & Secure: Track your net worth anywhere with complete privacy.

Track, analyze, and plan smarter with Finanjo’s Net Worth Calculator, your complete tool for understanding and improving your finances.