Net− worth Calculator
Hexo Net Worth CalculatorUnderstand What You Own, What You Owe & What Remains
You may own a house, have investments, bank deposits and retirement savings. But does knowing the value of these assets tell you your complete financial position?
Not quite. Your outstanding home loan, other borrowings and financial liabilities are equally important.
At Hexo Wealth, we believe understanding your financial position begins with looking at what you own and what you owe together.
The Hexo Net Worth Calculator brings your assets and liabilities into one organised view. It helps you calculate your current Net Worth, understand where your wealth is held and see how much of your asset base is supported by borrowings.
The purpose is to give you a clearer picture of where you stand financially today, not to predict future wealth or investment returns.
What Is Hexo Net Worth Calculator?
Your Current Balance Sheet
See your total assets, outstanding liabilities and Net Worth in one place, based on the values recorded as of your selected report date.
Family Net Worth Summary
Record assets and liabilities for up to three family members. Review individual entries alongside your family's consolidated financial position.
Asset Allocation Snapshot
Understand how your recorded assets are distributed across cash, fixed income, market-linked assets, precious metals, real estate and other holdings.
Liability Overview
See your outstanding loans and other liabilities together, including which borrowings account for the largest portions of your total liabilities.
Build Your Net Worth View
01
Start With Your Details
02
Record What You Own
03
Record What You Owe
04
Review Your Results
Understand Your Asset Categories
Cash & Bank Holdings
Include cash and balances held in savings accounts, current accounts and other bank accounts, including NRE and NRO accounts. Enter the available balances as of your report date to reflect your recorded cash and bank holdings accurately. Ensure all relevant accounts are included to avoid understating your total assets. Do not include the same balance under multiple entries, as this may overstate your recorded Net Worth.
Debt & Fixed Income
Record current balances or values of debt mutual funds, fixed deposits, recurring deposits, EPF, GPF, PPF, Sukanya Samriddhi Account, Senior Citizens' Savings Scheme, National Savings Certificates, Kisan Vikas Patra, bonds, NCDs, treasury bills, government securities and other fixed income holdings. These holdings are grouped for balance sheet reporting, but their risks, returns, withdrawal conditions and accessibility can differ significantly.
Equity & Market-Linked Assets
Include equity mutual funds, listed shares, international investments, NPS, PMS, AIFs, REITs, InvITs, employee stock benefits and unlisted equity. Record their current values while recognising differences in underlying exposures, valuation methods and withdrawal restrictions. For employee stock benefits, include only vested or owned benefits that you intend to count, and avoid counting the same shares twice.
Precious Metals
Record the current value of gold, silver and other precious metal holdings, including ETFs, funds, coins, bars, jewellery and Sovereign Gold Bonds. Use a reasonable current valuation for physical holdings. Remember that actual sale proceeds may differ due to purity, making charges, deductions and prevailing market prices.
Real Estate
Include the estimated current value of your primary residence, secondary residential property, commercial property, land, agricultural land and other real estate. Your self-occupied house forms part of your Net Worth, even if you do not intend to sell it. However, owning valuable property does not mean equivalent funds are readily available to spend or invest. Property valuations are estimates entered by you and are not independently verified by the calculator.
Other Assets
Include business ownership or partnership interests, vehicles, insurance policy cash or surrender values, loans or money receivable, collectibles, artwork, crypto holdings and other assets. The calculator allows custom entries and category adjustments where appropriate. Include only assets for which you can establish a reasonable current value, recognising that some holdings may be difficult to value or sell.
Enter Asset Values Correctly
Investments
Enter the current value of your investment holdings, not the amount originally invested or contributed every month. For example, if your mutual fund portfolio is currently worth ₹15 lakh, enter ₹15 lakh rather than your monthly SIP amount. Use the latest available valuation to reflect your holdings as of the selected report date.
Vehicles
Use the current depreciated value or a reasonable resale estimate for cars and other vehicles. The original purchase price may no longer represent their present value. Consider the vehicle's age, condition, mileage and prevailing resale prices when estimating its current worth.
Insurance Policies
Include only the applicable current fund value, cash value or surrender value of an insurance policy. Do not enter your life insurance Sum Assured as an asset, as it represents insurance coverage rather than money currently owned by you. Use the value relevant to your policy type and avoid counting the same amount under multiple categories.
Business Ownership
If you own a business or hold a partnership interest, enter a reasonable current estimate of the value attributable to your ownership. Business turnover, annual revenue and monthly business income should not be treated as the value of your ownership. Consider the business's financial position and your share of its estimated value when recording this asset.
Money Receivable
If you have lent money or are entitled to receive an amount, record the relevant receivable as an asset. Money that you owe someone else belongs under liabilities. Consider the amount expected to be recovered and avoid including doubtful or already-received amounts as outstanding receivables.
Other Personal Assets
Include other valuable assets, such as jewellery, collectibles, artwork or personal belongings, where a reasonable current value can be established. Use an estimated resale value rather than the original purchase price, and avoid recording items already included under another asset category.
Bring Your Liabilities Together
The calculator provides separate entries for Home Loan, Vehicle Loan, Personal Loan, Education Loan, Business Loan, Loan Against Property, Loan Against Securities, Gold Loan, Credit Card or Revolving Outstanding, Other Secured Loan and Other Unsecured Loan. You can also add custom liability entries. For example, if your original home loan was ₹50 lakh and the outstanding balance is now ₹32 lakh, enter ₹32 lakh. The calculator uses the outstanding balances you provide and does not calculate future interest, repayment schedules or EMI affordability.
How Is Net Worth Calculated?
Net Worth = Total Assets − Total Liabilities
Your Net Worth is the difference between the value of everything you have recorded as assets and everything you have recorded as liabilities.
| Particulars | Recorded Value |
|---|---|
| Total Assets | ₹1,20,00,000 |
| Total Liabilities | ₹35,00,000 |
| Net Worth | ₹85,00,000 |
In this example, the family’s recorded assets are worth ₹1.20 crore, with outstanding liabilities of ₹35 lakh.
The resulting Net Worth is ₹85 lakh.
However, an ₹85 lakh Net Worth does not necessarily mean the family has ₹85 lakh available for immediate use. A significant portion could be held in property, retirement accounts or other assets that are not easily accessible.
Positive Net Worth
Positive Net Worth means the value of recorded assets exceeds outstanding liabilities. This tells you that your recorded assets are worth more than what you owe. However, the nature, liquidity and accessibility of those assets also matter when assessing your financial position.
Negative Net Worth
Negative Net Worth means recorded liabilities exceed the value of recorded assets. Before interpreting the result, review your entries carefully. Missing assets, outdated valuations or incorrect loan balances can affect the calculation.
Zero Net Worth
Zero Net Worth means the total value of recorded assets equals total recorded liabilities. It reflects the balance between what you own and owe as of the selected report date.
Important Things to Keep in Mind
Enter Complete Information
Include all relevant assets and outstanding liabilities. Missing an investment, property, bank balance or loan can materially change your calculated Net Worth and asset allocation.
Use Current Values
Enter values reflecting your selected report date as closely as possible. Original purchase prices may not represent the current value of property, investments, vehicles or other assets.
Avoid Double Counting
Record each asset and liability only once. Pay particular attention to jointly owned properties, employee shares and investments that may appear across multiple statements or categories.
Record Assets & Loans Separately
Suppose your house is currently worth ₹80 lakh and you have an outstanding home loan of ₹30 lakh. Enter ₹80 lakh under assets and ₹30 lakh under liabilities. Do not enter only the property's net value of ₹50 lakh and then record the ₹30 lakh loan again. Doing so would deduct the loan twice.
Review Estimated Valuations
Assets such as real estate, business interests, jewellery, vehicles and collectibles may not have readily available market values. Use reasonable estimates and remember that actual sale proceeds may differ because of market conditions, taxes, transaction costs and other factors.
Read Net Worth Alongside Liquidity
A high Net Worth does not necessarily mean you have enough money readily available for everyday needs or financial emergencies. A family may own valuable properties or business interests but hold relatively little in accessible financial assets. Understanding where wealth is held is therefore just as important as knowing its total value.
Understand How Your Information Is Stored
Understanding Hexo Wealth's Role
Hexo Wealth Associates LLP
Bring Your Financial Position Into Focus
Your Net Worth is more than one number.
It tells you what remains after accounting for what you own and what you owe. But understanding where those assets are held and how your liabilities are structured is equally important.
The Hexo Net Worth Calculator helps you bring these details into one organised picture.
At Hexo Wealth, we encourage families to begin by understanding their present financial position before examining how their assets and investments relate to their future goals.
See Where Your Liabilities Sit
The calculator generates automated observations based on predefined rules applied to your family's consolidated financial information.
- The relationship between assets, liabilities and Net Worth.
- Liabilities as a percentage of assets.
- The largest asset category.
- Distribution across significant asset categories.
- The contribution of a substantial individual asset.
- Concentration in a liability category.
- The absence of recorded liabilities.
- Missing exchange rates affecting consolidation.
FREQUENTLY ASKED QUESTIONS
Hexo Net Worth Calculator helps you organise your current assets and outstanding liabilities in one place. It calculates your recorded Net Worth and shows how your assets and liabilities are distributed.
Net Worth is calculated by subtracting Total Liabilities from Total Assets.
Net Worth = Total Assets − Total Liabilities
Enter current values as of your selected report date. Where market values are not readily available, use reasonable estimates and review them periodically.
Yes. Your primary residence can be included under Real Estate.
Its value contributes to Net Worth, even if you do not intend to sell it. However, that does not mean its value is readily available for spending.
Enter the current outstanding principal balance, not the original loan amount, monthly EMI or future interest payments.
Enter the property's current value under assets and the outstanding home loan principal under liabilities.
The calculator automatically subtracts recorded liabilities while calculating Net Worth.
No. Enter the current value of your mutual fund investment.
A monthly SIP is an investment contribution, while Net Worth considers the current value of your holdings.
No. Life insurance Sum Assured represents insurance coverage, not an asset currently owned.
Include only the applicable current fund, cash or surrender value, where relevant.
Yes. You can enter assets and liabilities for up to three family members and review their individual values alongside the consolidated family position.
Yes. The calculator allows you to add custom asset and liability entries to reflect your financial circumstances.
Yes. Multiple Currency Mode supports up to three currencies.
You need to enter the applicable exchange rates manually to consolidate values into your selected Default Currency.
Not necessarily.
Positive Net Worth means recorded assets exceed liabilities. It does not determine whether your assets are sufficient or accessible for retirement, children's education or other financial goals.
No. This calculator focuses on assets and liabilities.
It does not calculate monthly income, expenses, surplus or emergency fund adequacy.
Yes. After completing the report-access form, you can print or save your Net Worth report as a PDF.
You can also export a data backup.
No. The calculator explains your recorded financial position.
It does not recommend buying, selling, holding or switching investments, taking new loans or deciding which debts to repay.
Important Net Worth Calculator DisUnderstand Your Debt-to-Asset Ratio
Important Net Worth Calculator DisUnderstand Your Debt-to-Asset Ratio
The Debt-to-Asset Ratio is calculated as: Total Liabilities ÷ Total Assets × 100
This ratio shows how much you owe relative to the value of your recorded assets.
For example, if your assets are worth ₹1 crore and your outstanding liabilities total ₹25 lakh, your Debt-to-Asset Ratio is 25%.
In simple terms, for every ₹100 of assets, you have ₹25 in recorded liabilities, leaving ₹75 as Net Worth.
The ratio helps you understand the relationship between your borrowings and assets.
However, it does not indicate whether your EMIs are affordable. That also depends on income, expenses, interest rates, repayment schedules and other financial commitments.
The ratio requires a positive asset value. If no assets are recorded, the calculator cannot meaningfully calculate this percentage.
See Your Asset Allocation Snapshot
Two families may have the same Net Worth but hold their wealth in very different forms.
One may have most of its assets in real estate, while another may hold a larger portion in financial investments and deposits.
The Asset Allocation chart helps you understand this distribution.
It shows the current recorded value and percentage share of assets across six categories.
You can hover over or select a chart segment or legend entry to see the individual holdings contributing to each category.
For example, if Real Estate represents 60% of your total assets, it means ₹60 out of every ₹100 of recorded assets is held in property.
This view includes personal-use assets such as your home and vehicle, not just investments.
It helps you understand the composition of your total assets, but does not recommend an ideal asset allocation or assess investment suitability.
View Your Family's Financial Position Together
The calculator offers Single Currency Mode, where all assets and liabilities are recorded in one selected currency for a consistent Net Worth view. For families with assets or liabilities across different countries, Multiple Currency Mode supports up to three currencies and consolidates all values into a selected Default Currency. Users must manually enter the applicable conversion rates and specify the “Rates as of” date, as the calculator does not automatically retrieve live exchange rates. If a required conversion rate is missing, the calculator identifies the unresolved conversion so it can be completed before calculating the consolidated Net Worth. Users should review currency assignments, conversion rates, and dates carefully before interpreting the combined results.
Your Hexo Net Worth Calculator Report
Your Net Worth is more meaningful when you can understand the details behind the final figure. The Hexo Net Worth Calculator generates a comprehensive report that brings together your recorded assets, liabilities, and key financial indicators, including personal and family details, category-wise asset entries, member-wise values and family totals, outstanding liabilities, Total Assets, Total Liabilities, Net Worth, Debt-to-Asset Ratio, Net Worth Snapshot, liability breakdown, asset allocation summary, automated Net Worth observations, and important notes, scope limitations, and disclosures. After completing the report-access form, you can review the report, print it, or save it as a PDF through your browser. You can also export a Net Worth data backup for future reference.
Important Net Worth Calculator Disclaimer
Hexo Net Worth Calculator is provided as a financial awareness, organisation and discussion tool based on asset and liability values entered by the user.
All calculations, totals, ratios, allocation percentages and automated observations depend on the accuracy, completeness, classification and current relevance of the information provided.
Net Worth represents recorded Total Assets less Total Liabilities. It does not independently establish financial security, liquidity or the adequacy of funds for any financial goal.
Asset values are not independently verified. Estimated values for property, vehicles, precious metals, business interests and other assets may differ from actual sale or realisable values. The calculator does not automatically deduct taxes, transaction costs or other expenses associated with selling assets.
Loan balances should reflect current outstanding principal rather than original borrowing amounts or future interest payments.
Where multiple currencies are used, consolidated values depend on manually entered exchange rates and are not based on live market rates.
Asset Allocation, Debt-to-Asset Ratio and automated observations describe the recorded balance sheet. Any internal analytical reference points used by the calculator should not be interpreted as regulatory standards or universal financial benchmarks.
Family member columns help organise information and do not establish legal ownership, ownership percentages or financial responsibility. Automated observations use consolidated family totals.
The calculator does not assess cashflow adequacy, emergency fund adequacy, insurance adequacy, financial goal sufficiency, risk profile, investment suitability, taxation, estate planning, legal matters or retirement-corpus sufficiency.
Its results do not constitute personalised investment advice or recommendations to buy, sell, hold, switch or otherwise alter any financial product.
Hexo Wealth Associates LLP | AMFI-registered Mutual Fund Distributor | ARN-353817
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.