Start with what is owned and what is owed
Net worth is assets minus liabilities at a point in time. It is not monthly income and not the amount available to spend immediately. Use current realistic values: deposits, investments, property and other meaningful assets on one side; outstanding property loans and other debts on the other.
With ₹65 lakh of assets and ₹31 lakh of debts, net worth is ₹34 lakh. A large share can still be tied up in a home. Separately identifying liquid assets prevents the total from being mistaken for an emergency reserve.
Avoid double counting
If an investment account value already includes its cash balance, do not add that cash a second time. Enter a home’s whole asset value alongside its outstanding mortgage, rather than entering net equity as the asset and subtracting the mortgage again. Jointly owned assets and debts need a consistent ownership basis.
Use conservative values
Property sale proceeds can be reduced by selling costs and taxes. Private-business interests may have uncertain valuations. A purchase price from years ago and an optimistic asking price today answer different questions; record the basis used so future snapshots remain comparable.
The calculator keeps values in the browser and does not create an account or automatically save a portfolio. A share link, if you choose to create one, contains the entered amounts. Use invented or rounded scenarios when sharing publicly, and keep personal records separately if you want a dated history.