Net Worth Calculator & Certificate Generator

Net Worth Calculator and Ceritifcate Generator is a financial tool that allows individuals, businesses, or companies to calculate their net worth and generate a net worth certificate both with self-certification and for professional certification.

Net Worth Certificate is useful in many situations when you are planning to take a loan, a benefit, approval of certain aspect from a government body.

Basic Details:

Type of Entity:

Name of the {{getEntityTypeLabel()}}:

{{getEntityTypeLabel()}} Address:

Cash-equivalent Assets:

Cash:

Bank:

Fixed Deposits/Recurring Deposits:

Equity Shares:

Equity Mutual Funds:

Debt Mutual Funds:

Foreign Shares:

Virtual Digital Asset:

Intraday/Derivatives:

Any other:

Moderately Liquid Assets:

Provident Fund (EPF, PPF, NPS etc):

Insurance Policies:

ULIP:

Bonds:

Gold/Jewellery/Other Metals:

P2P Lending:

Startup's:

Private Pool investments:

Any other:

Real Estate Assets:

Land, Plot:

Residential Houses:

Agriculture land:

Any other:

Liabilities:

Home Loan:

Car Loan:

Plot Loan:

Gold Loan:

Personal Loan:

Credit Card:

Loans from friends or relatives:

Business loan:

Any other loans:

Information of Company:

Paid Up Capital:

Reserves and Surplus (Profit / Loss):

Accumulated Losses:

Miscellaneous expenditure:

No of Shares:

Assets:

Fixed Assets:

Investments :

Current Assets:

Other Assets:

Liabilities:

Secured Loans:

Un secured Loans :

Current liabilities:

Other liabilities:

Total Assets (A) :

Total Liabilities (B) :

Total Net Worth (C = A-B) :

Total Assets (A) :

Total Liabilities (B) :

Total Net Worth (C = A-B) :

Total Net Worth :

Book Value per share :

Debt to Assets coverage ratio (D = B/A) :

Ownership Share:

Debt Load :

Cash Equivalent Net Worth ratio :

Analysis on Net Worth

Your net worth is Rs {{totalNetWorth.toLocaleString("en-IN")}} and it is highly positive which indicates a healthy financial position
Consider diversifying your portfolio into various assets to mitigate risks and enhance returns. A well-diversified portfolio can include a mix of liquid assets (e.g., partial liquid assets, provident funds, bonds), illiquid assets (e.g., land, residential properties), and other investment avenues (e.g., gold, P2P lending, startups). This will help you balance risk and reward while ensuring financial stability.
The debt ratio of {{assetRatio}}% is {{assetRImpact}}
Track your net worth regularly and assess your investments and risk level

The debt ratio of {{assetRatio}}% is {{assetRImpact}}
Focus on reducing debt, increasing income, and controlling expenses.
Develop a plan to gradually rebuild savings and investments.

Your net worth is Rs {{ totalNetWorth1.toLocaleString("en-IN") }} and it is highly positive which indicates a healthy financial position
Track your net worth regularly and assess your investments and risk level

Your net worth is Rs {{ totalNetWorth1.toLocaleString("en-IN") }} which indicates a unhealthy financial position
Focus on reducing debt, increasing income, and controlling expenses.
Develop a plan to gradually rebuild savings and investments.

Your net worth is Rs {{ totalNetWorth2.toLocaleString("en-IN") }} and it is highly positive which indicates a healthy financial position
Track your net worth regularly and assess your investments and risk level

Your net worth is Rs {{ totalNetWorth2.toLocaleString("en-IN") }} which indicates a unhealthy financial position
Focus on reducing debt, increasing income, and controlling expenses.
Develop a plan to gradually rebuild savings and investments.

Next Steps:

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Refer Frequently asked Questions (FAQs) on Net Worth Calculator & Certificate Generator below.

Frequently asked Questions

1.What is Net Worth?

Net worth is the total value of an individual's assets minus their liabilities (debts and obligations). It helps in determining the financial health of an individual.

Net worth can be calculated by the below formula

Net Worth = (Total Assets — Total Liabilities)

2.What is Debt to Asset Coverage ratio?

Debt Asset coverage ratio is one of the financial metrics used to measure how much of your assets are funded by loans.

A higher ratio indicates more risk and lower ratio indicates less risk as there is less borrowing

Debt to Asset coverage ratio is calculated using

Debt to Asset coverage ratio = (Total Debt / Total Assets)

3.Can the net worth be negative?

Yes, the net worth can be negative if you have more liabilities which shows that you need to focus on paying debts and increase your savings.

4. What do the other ratios mean?

The other ratios are as follows

Net Worth to Total Assets Ratio: It represents your ownership share. It shows how much of your total assets are free of debt
Debt to Net Worth Ratio: It represents your debt load. It shows how much debt you have compared to what you own
Cash Equivalent Net worth ratio: It represents How much of your net worth is in cash or easy-to-sell assets. Higher means more flexibility.