Build a personal balance sheet with preset assets and liabilities. See net worth, liquidity mix and debt-to-asset ratio.
Liquidity
Liquidity
Liquidity
Liquidity
Liquidity
Liquidity
Liquidity
Liquidity
Net worth
₹47,50,000
Net worth is total assets minus total liabilities. Liquidity tags help you see how much wealth is readily usable versus tied up in property or long-term holdings — a common SEBI investor-education framing for personal finance review.
Debt-to-asset ratio = total liabilities ÷ total assets. Lower ratios generally indicate stronger balance-sheet health.
Last updated: 19 August 2026. Values are self-reported estimates for personal planning — not a credit or net-worth certificate.
Net worth is the difference between everything you own (assets) and everything you owe (liabilities). Tracking it periodically is a core SEBI investor-education habit for measuring financial progress.
Add asset rows with amounts and liquidity tags (liquid, partial, illiquid). Add liability rows for loans and dues. The calculator shows net worth, asset/liability mix, debt-to-asset ratio and a liquidity breakdown.
Debt-to-asset ratio = total liabilities ÷ total assets. Lower ratios generally indicate less leverage.
| Feature | Net worth | Liquid net worth | Debt-to-asset |
|---|---|---|---|
| What it measures | All assets minus all liabilities | Liquid assets minus short-term liabilities | Liabilities as a fraction of total assets |
| Best for | Overall wealth snapshot | Emergency readiness | Leverage and borrowing stress |
Net worth = total assets − total liabilities. Include investments, property, gold and subtract home loans, personal loans and credit card dues.
Total liabilities divided by total assets. A ratio below 0.5 is often considered comfortable for households, though optimal levels vary by life stage.
Liquid assets can be accessed quickly for emergencies. Illiquid assets like real estate may take months to sell. SEBI investor education encourages knowing both total and usable wealth.
Yes for total net worth. Some planners exclude primary residence from investable net worth when sizing emergency funds — use the liquidity tag to reflect how quickly value can be accessed.
Yes. Add EPF/PPF/NPS under assets (often less liquid). Subtract home loan, personal loans and credit-card dues under liabilities. Update values periodically for a clearer progress picture.
List market value of funds, bank balances, property and other assets; subtract outstanding loan principal and other debts. Primary home can be included at realistic market value — liquidity tagging helps interpret the number.
There is no official benchmark — income, city and goals differ widely. Track your own debt-to-asset ratio and year-on-year net-worth growth instead of comparing with social-media averages. This tool is for personal tracking, not advice.
Disclaimer: Illustrative personal balance sheet. Property valuations and loan balances should be verified with official statements. Not financial advice.
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