Net Worth Calculator
Calculate your total net worth and track progress to financial independence.
Your Assets
Your Liabilities
Financial Independence
$600,000
Net Worth
$100,000
Total Assets
$100,000
Total Liabilities
$0
FI Number (Goal)
$15,000,000
FI Progress
0.7%
About Net Worth Calculator
Track your total net worth and financial independence progress.
Why Net Worth Matters More Than Income
Your income is what you earn; your net worth is what you keep. Two people with identical salaries can have dramatically different net worths based on savings rate, investment choices, and debt management.
Tracking net worth quarterly helps you measure progress toward financial independence — not just whether you got a raise this year.
The 4% Rule and Your FI Number
The 4% Safe Withdrawal Rate (SWR) — studied extensively in the Trinity Study — suggests you can withdraw 4% of your portfolio annually without depleting it over 30 years. This means your FI Number = 25× Annual Expenses.
At a ₹6 lakh annual expense level, your FI Number is ₹1.5 Crore. Track your progress with this calculator every quarter.
I Will Teach You To Be Rich
by Ramit Sethi
A 6-week program to optimise savings, eliminate debt, and build wealth automatically.
Get the BookQuestions & Answers
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the most comprehensive measure of your financial health.
What is the FI Number?
Your FI (Financial Independence) Number is 25× your annual expenses, based on the 4% Safe Withdrawal Rate. When your net worth reaches this number, you can theoretically live off investment returns without working.
How often should I calculate my net worth?
Most financial experts recommend calculating your net worth quarterly or at least annually to track your financial progress and identify areas for improvement.