Add your assets and liabilities to instantly see your net worth — what you own minus what you owe. Track your financial health in one number.
📈 Assets — What you own
Total assets₹0
💳 Liabilities — What you owe
Total liabilities₹0
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Add your assets and liabilities above
Your net worth will calculate automatically as you type
Every rupee saved grows your net worth
Knowing your net worth is step one. Step two is controlling where your money goes daily. Spentt logs expenses in 5 seconds and shows you your weekly breakdown every Sunday.
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What is net worth?
Net worth is the difference between what you own (assets) and what you owe (liabilities). It's the single most important number in personal finance — a snapshot of your financial health at any point in time.
Net Worth = Total Assets − Total Liabilities
A positive net worth means your assets exceed your debts. A negative net worth means you owe more than you own — which is common early in a career, especially with student loans or a new home loan.
What counts as an asset?
Cash and savings — savings account, fixed deposits, cash at home
Real estate — current market value of property you own
Vehicles — current resale value of your car, bike, or other vehicles
Gold and jewellery — current market value
Business interests — your stake in any business
Other valuables — anything else with significant resale value
What counts as a liability?
Home loan — outstanding principal remaining
Car loan — outstanding balance
Personal loan — outstanding balance
Credit card debt — total unpaid balance across all cards
Education loan — outstanding balance
Family borrowings — money owed to family or friends
What's a good net worth?
Net worth varies enormously by age, income, and location. A rough rule of thumb: your net worth should be roughly your age multiplied by your annual income divided by 10. So a 30-year-old earning ₹10,00,000/year should aim for a net worth of approximately ₹30,00,000.
But don't be discouraged by a low or negative number. Net worth is a starting point, not a judgment. What matters more than the current number is the direction — is it growing month over month?
How to increase your net worth
There are only two levers: grow assets or reduce liabilities. In practice, the fastest way to do both is to control your daily spending — because every rupee not spent can either go toward investments (growing assets) or debt repayment (reducing liabilities).
Frequently asked questions
Should I include my home as an asset?
Yes — include the current market value of your home as an asset, and the outstanding home loan as a liability. The difference is your home equity. If your home is worth ₹80 lakhs and your loan outstanding is ₹50 lakhs, your home equity contribution to net worth is ₹30 lakhs.
Should I include my car?
Yes, but use the current resale value — not what you paid for it. Vehicles depreciate quickly. A car bought for ₹12 lakhs 3 years ago might have a current resale value of ₹7-8 lakhs. Use that lower number for an accurate picture.
How often should I calculate my net worth?
Once a month or once a quarter is enough. More frequent than that and you'll be tracking market fluctuations rather than real financial progress. The goal is to see a consistent upward trend over 6-12 month periods.
Is a negative net worth bad?
Not necessarily — especially early in life. Taking a home loan creates a large liability, but also builds an asset. Having student loans after education is common. What matters is whether your net worth is trending upward. If it's negative and shrinking, that's a warning sign. If it's negative but improving every month, you're on the right track.
Should I include jewellery and gold?
Yes — gold is a genuine asset with real market value. Use the current market value based on today's gold price multiplied by the weight of your gold. For jewellery, use the gold value (not the making charges, which you won't recover on resale).