What net worth means
Net worth is everything you own minus everything you owe. It's the single number that shows whether your finances are moving forward: salary, returns and spending all show up in it. A young professional with an education loan can have a negative net worth, and that's normal; what matters is that it rises over time.
What to include
- Use today's value, not what you paid: the current value of mutual funds and shares, your EPF passbook balance, and what your home or car would sell for.
- Loans at their outstanding principal, from the loan statement or app, not the EMI or the total interest.
- Credit cards: the latest bill amounts, even if you pay them in full every month.
- Leave out things that are hard to sell and don't hold value, like furniture and phones, and money you expect but haven't received.
Debt to assets
The calculator also shows how much of what you own is borrowed: total loans and card dues ÷ total assets. Under 30% is low. Up to about 60% is common in the first years of a home loan. Above that, paying off costly loans (credit cards, personal loans) usually helps more than anything else.
Track it, don't just calculate it
Net worth is most useful as a trend. Check it every month or quarter, on the same basis each time. The Welthr app keeps it up to date from your accounts, investments and loans. Plan the next steps with the retirement calculator or see what a loan really costs with the EMI calculator.
The figures you enter stay in your browser so they're there next time. They aren't sent to Welthr.
Results are estimates for illustration only, not financial advice. Banks and schemes may round, apply TDS or use slightly different day counts — confirm figures with your bank or employer. Written by the Welthr team; last reviewed on .