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About this tool
List assets and liabilities to get your net worth, liquidity, debt-to-asset ratio and asset mix.
Net worth is everything you own at today's realisable value minus everything you owe at outstanding principal — one number that a bank balance or a salary slip cannot give you. This tracker builds that statement from itemised assets and liabilities and then reports the three ratios it exists to expose: the share of assets that is genuinely liquid, the split between financial assets and everything else — property, gold, vehicles, business holdings and other assets that cannot be sold in slices — and the debt-to-asset ratio. Everything is computed in the browser and nothing is stored.
Open Net Worth Tracker Tool on AltFTool — it loads instantly in your browser.
Under Assets, name each holding, choose its category and type the rupee amount; Add an asset appends a row and the Remove button deletes one.
Do the same under Liabilities at outstanding principal, then fill Context (optional) — Monthly household expenses (₹), Your age and Annual pre-tax income (₹).
The Net worth figure updates with rows for liquid assets, debt-to-asset ratio and liquidity in months of expenses, plus the Where your assets sit and What you owe tables; Copy result copies the statement and Reset restores the demo values after a confirmation prompt.
EPF, PPF and property are counted as assets but not as money you can reach this week.
Debt-to-asset and months-of-expenses liquidity say more about resilience than the headline figure.
The statement is calculated locally in your browser; no figures leave the page.
Add the current realisable value of everything you own — bank balances, deposits, mutual funds, EPF and PPF, property, gold, vehicles — and subtract every outstanding borrowing, including the credit card bill. The result can be negative early in a home loan, which is normal.
Total liabilities divided by total assets is commonly reviewed once it passes 50%, and above 80% there is very little cushion if asset values fall. Early in a home loan a high ratio is expected; what matters is that it falls steadily as the principal is repaid.
Yes — both are assets you own, so both belong in the statement. Keep them separate from liquid assets, though, because a flat cannot be sold in slices and EPF, PPF and NPS have withdrawal restrictions, so a large net worth can still leave you short of cash in an emergency.
One rough yardstick from The Millionaire Next Door is age × annual pre-tax income ÷ 10; twice that figure is called a prodigious accumulator and half of it an under-accumulator. Treat it as a conversation starter, not a target — it penalises anyone young, recently qualified, or who has just repaid a large loan.
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