How do you calculate your net worth?

Lesson 32 of 53 · Your net worth · 2 min read · Reviewed 29 Oct 2026

Assets at today’s value, minus every loan outstanding, is your net worth.

Use current values: the NAV today, not what you paid; the loan still owed, not the original amount.

A home you live in counts, but it can’t pay bills without being sold.

Key idea: Track it with the same method each time, so the change is real and not a change in how you counted.

Try the short quiz on this page to check what stuck.

Common questions

Should my car count?

At its resale value, if at all. It loses value every year.

How often should I check it?

Once a quarter is enough to see the trend.

Do insurance policies count?

A term plan has no value until a claim. A savings policy counts at its surrender value.

More lessons

• Why starting early wins: Why does starting a SIP early make such a difference?
• What inflation does to your money: How much will today’s expenses cost in the future?
• The 1% that costs lakhs: How much more does a regular mutual fund plan cost than a direct plan?
• Your emergency fund: How big should my emergency fund be?
• How much life cover you need: How much term life insurance do I need?
• How equity gains are taxed: How are long-term gains on shares and equity funds taxed in India?
• What your FD really earns: What does a fixed deposit earn after tax and inflation?
• How much to invest for a goal: How much do I need to invest every month to reach a goal?
• A SIP that rises every year: How much difference does a step-up SIP make?
• Your equity and debt mix: How much of my money should be in equity?
• Health cover that holds up: How much health insurance do I need, and what is a super top-up?
• Your home loan, paid off sooner: How much does prepaying a home loan save?
• The minimum due trap: What happens if I pay only the minimum due on my credit card?
• Your retirement number: How much money do I need to retire in India?
• How long your money lasts: How long will my retirement savings last?
• NPS: pension and lump sum: How much pension will I get from NPS?
• PPF: tax-free and government-backed: How much will my PPF be worth after 15 years?
• Old or new tax regime: Should I choose the old or the new tax regime?
• Your savings rate: How much of my income should I save?
• What your return really is: What is CAGR and how is it different from absolute return?
• Gold: jewellery or investment: Is gold jewellery a good investment?
• Nominees and a will: Is a nominee enough, or do I need a will?
• The flat-rate loan trick: What is the difference between a flat rate and a reducing balance rate?
• Your credit score: How do I improve my credit score?
• What your EPF grows to: How much will my EPF be worth at retirement?
• Your HRA exemption: How is HRA exemption calculated?
• Short-term and long-term gains: How are short-term and long-term gains on shares taxed?
• Tax saved with 80C: How much tax can I save under Section 80C?
• The rule of 72: What is the rule of 72?
• What NAV means: Is a mutual fund with a low NAV cheaper?
• Reading your CAS: What is a Consolidated Account Statement (CAS)?
• Index funds vs active funds: What is the difference between an index fund and an active fund?
• Lump sum or SIP: Is a lump sum better than a SIP?
• Debt funds: How are debt mutual funds taxed in India?
• Rebalancing your mix: What does rebalancing a portfolio mean?
• Investing abroad: How much can a resident Indian invest abroad?
• Term plan, endowment or ULIP: What happens if you surrender a ULIP or endowment plan early?
• Health claims: rules on your side: How long can a health insurer take to approve a cashless claim?
• Writing a will: What makes a will valid in India?
• Spotting investment fraud: How can you check if you are paying a SEBI-registered broker or fund?
• Loans against mutual funds: How much can you borrow against mutual funds?
• A personal loan’s true cost: What is the APR on a personal loan?
• Car loan or cash: Is it better to take a car loan or pay cash?
• Gold loans: How much loan can you get against gold in India?
• Senior Citizens Savings Scheme: How much can you invest in the Senior Citizens Savings Scheme?
• Annuities and the NPS exit: How much of the NPS corpus must buy an annuity?
• Retirement income in buckets: What is the bucket strategy for retirement income?
• ELSS funds: How does the ELSS lock-in work for a SIP?
• TDS on FD interest: When is TDS deducted on FD interest?
• Tax on gifts: Are gifts taxable in India?
• Tax on rent you earn: How is rental income taxed in India?
• Advance tax: Who has to pay advance tax?

For learning only, not investment advice. Built in India by a team that tracks its own money on Reva.