Net Worth Calculator
Net worth is everything you own minus everything you owe. It is the one number that tells you whether the family is actually getting ahead. Fill in what you know; estimates are fine.
How it works, in one picture
Why net worth, not just investments
A ₹50 lakh portfolio with a ₹60 lakh loan is a negative number. Tracking only investments hides that. Net worth also shows how much is liquid: money in funds, FDs and gold can pay for an emergency; the house you live in cannot.
What to include
- Assets: mutual funds and stocks at today's value; FDs, PPF, bonds; EPF and NPS balances; gold by weight at today's rate; property at a conservative market value; bank balances.
- Liabilities: outstanding principal of every loan, and any credit card balance you carry.
- Leave out: the car's resale value (optional), insurance cover (it is protection, not wealth), and money owed to you that you may not get back.
Net worth for the whole family, updated every day
A calculator gives a snapshot. Capital Friends keeps it live: every family member's funds, stocks, FDs, EPF, gold (revalued daily by weight), property and loans in one dashboard, stored in a Google Sheet in your own Drive. The family gets a daily email with the net worth and where everything is. See the family net worth tracker.
The same number, live, for the whole family
Every member's funds, stocks, FDs, EPF, gold and property with its loan, updated every day and emailed to the family.
- Mutual funds · 4 members₹2.04 Cr
- House · loan linked₹1.6 Cr
- Gold · 250 g, today's rate₹35 L
- EPF, FD₹42 L
Every member, every account, revalued daily. Gold by weight, the house with its loan, insurance with nominees.
- Retirement is 4% off its path · 1 step due
- Flexi cap fund is 7% below its high · information, not advice
- SIP ₹40,000 due on the 5th · term policy renews in 12 days
- Net worth, every account, every fund, nominees, loans: where everything is
Sent every morning from your own Gmail to the family members you choose. If something happens to you, they know where everything is.
Track the real thing, not just the estimate
Capital Friends is a free, open-source portfolio tracker for Indian families. Import your CAMS statement, see XIRR and CAGR for every fund, plan goals and retirement, and let your family get one summary email. Your data stays in your own Google Drive.
Frequently asked questions
Should I include my house in net worth?
Yes, at a conservative value, but look at liquid net worth separately. Many people are house-rich and cash-poor.
How often should I calculate net worth?
Once a quarter is enough if you do it by hand. A tracker that updates fund prices daily makes it effortless and lets you see the trend.
What is a good net worth by age in India?
A rough guide is 1× yearly income by 30, 3× by 40, 6× by 50 and 10× by 60, excluding the home you live in. Your own trend matters more than the benchmark.
How do I value gold?
Weight in grams × today's rate for its purity (24K, 22K or 18K). Capital Friends values physical gold this way every day.
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Every member, every asset and loan, one dashboard, one number.
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Your FIRE number and the age you can stop working.
Corpus you need at retirement and the SIP to reach it.
Annualised growth from a start value, end value and years.
All family funds from one CAS import, with real money-in, XIRR and CAGR.
Calculators use the inputs you enter and standard formulas; results are estimates, not guarantees. Returns from mutual funds, stocks and other investments are not fixed and can be lower than assumed. Capital Friends is a tracking tool and is not a SEBI-registered investment adviser; nothing here is a recommendation to buy or sell any security.