Net worth statement
The statement behind a net worth certificate
Assets less liabilities, set out as a certificate sets them out: immovable, movable, then what is owed, each subtotalled. Runs in your browser, no signup.
Your figures
Which rate to use
No rate is fetched and none is assumed. The certificate has to state the rate and the date it was taken, so the figure used here is the one you type, applied at the precision it is printed at with the result and to at most 6 decimals.
Net worth
₹ 0
Assets and liabilities are equal, so the statement closes at nil.
Summary of net worth
A + B less C
Add the rate you are certifying at to see the same statement in a second currency.
Why this one asks for nothing
It computes here
The arithmetic is the page's own code, running in your browser. There is no server call behind the figures.
Nothing is uploaded
Your client's balances stay on your machine. Close the tab and there is nothing left behind.
No signup
No email, no gate, no report mailed to you later. The statement is on the screen as you type.
01 / What the statement has to show
A number is not a statement
An embassy or a branch manager does not want to be told that someone is worth a figure.
What they want instead
They want the heads it came from: what is immovable, what is movable, what is owed, and a subtotal on each, so the arithmetic can be followed without being redone.
That is why this page is three blocks and not one box. It is the summary page a certificate carries, and in the issued document each head has a lettered annexure behind it listing the items that make it up.
If you are the applicant, the working is yours to keep. A certificate is normally required to be issued and signed by a practising Chartered Accountant, because that is what the embassy, the bank or the tender authority asks for, and where an ICAI member issues it the evidence behind each head is examined and a UDIN is generated against it. Take this to your CA as a starting point, not in place of one.
The 13 heads, by category
- Immovable PropertiesA
Residential, commercial, land, plots and agricultural land
- Bank AccountsB
Savings, current, NRE and NRO accounts
- Fixed and Recurring DepositsB
Fixed, recurring and corporate deposits
- Provident Fund (PF)B
EPF, PPF, GPF and VPF
- National Pension System (NPS)B
Tier I and Tier II, against the PRAN
- Life Insurance PoliciesB
Endowment, term, ULIP, money back and whole life
- Post Office SchemesB
NSC, KVP, SCSS, Sukanya Samriddhi, MIS and time deposits
- Mutual FundsB
Equity, debt, hybrid, ELSS and liquid, by folio
- Shares and StocksB
Listed equity, by company or ISIN
- VehiclesB
Cars, two wheelers and commercial vehicles
- JewelleryB
Gold, silver, diamond and platinum jewellery, and bullion
- Partnership FirmsB
Capital balance in firms, with the share held
- LiabilitiesC
Home, car, personal, education and business loans, cards and ODCC
02 / For the firm signing it
This statement, as the certificate
OptiCertificate takes the same 13 heads item by item and issues the certificate, with its annexures, on your letterhead.
Assumptions and basis
What this calculator applied
- Method applied
- Net worth as assets less liabilities, in the summary form a net worth certificate presents
- Basis checked
- Checked on 17 September 2026
7 notes on what the method assumes
- A net worth certificate is normally required to be issued and signed by a practising Chartered Accountant, but that requirement comes from whoever is asking for it, an embassy, a bank or a tender authority, and not from statute. For many other purposes a net worth statement can be self declared. This page does the arithmetic; it certifies nothing and is not a certificate.
- Where an ICAI member does issue the certificate, the evidence behind each head has to be examined and a UDIN generated against it.
- The form this page follows is the summary of net worth an ICAI convention certificate carries, as the ICAI Guidance Note on Reports or Certificates for Special Purposes sets it out. Read the Guidance Note itself, on the ICAI site, before settling the wording of a certificate. It is not linked here because the copy that governs is the current one the Institute publishes, not a snapshot of it.
- The valuation basis decides the answer. Cost and market value give different figures for the same property or the same jewellery, and the certificate has to say which was used and on what date.
- Each head has to be supported: bank statements, deposit certificates, the valuer's report, the folio statement, the loan sanction and outstanding balance. Totalling unvouched figures proves nothing.
- Assets held jointly, or standing in the name of a spouse, HUF or minor, belong in the statement only to the extent of the applicant's own interest in them.
- The foreign currency figure uses the rate you type here, at the precision the page prints it, so the two figures on screen reconcile. Nothing is fetched: take the rate from a source you are willing to name, usually the RBI or FBIL reference rate for the date, and state the rate and that date in the certificate itself.
This is a working estimate, not advice, and it will not cover every case. Check the figure against the evidence behind each head and the form required by whoever asked for the statement before you rely on it or sign anything. All calculators