Assets vs liabilities snapshot

Net Worth Calculator

List what you own and what you owe to see your real net worth, your asset mix, and how leveraged you are.

Calculation Assumptions

Results can differ across apps when compounding or contribution timing assumptions change.

Real estate is valued at current estimated market value, not purchase price.
Nothing is stored on a server — 'Save snapshot' only writes to your browser's local storage so you can revisit it later on this device.
This is a point-in-time snapshot; it doesn't track history or trends automatically.

Why track your net worth

Net worth is everything you own minus everything you owe. It's the single best number to track your financial progress over time — better than income, which says nothing about what you keep.

How it's calculated

Net worth = (Cash + Investments + Retirement accounts + Property + Other assets)
          − (Home loan + Vehicle loan + Credit card debt + Other loans)

Liquid assets are cash, savings and market investments you can access quickly.
Debt-to-asset ratio: under 30% is strong, 30–60% moderate, above 60% highly leveraged.
Value property at today's realistic market price, and count EPF, PPF and NPS under retirement accounts.

Frequently asked questions

How often should I calculate my net worth?

Every 3–6 months is enough to see the trend without getting distracted by market swings.

Should I include my car?

Include it at resale value if you like, but remember it depreciates. Many people leave vehicles out and include only the car loan.