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Your net worth is a snapshot, not a forecast. It’s an estimate of what you’d have left based on the current value of your assets and what you owe. Property and investment values can be estimates — use your best current figures.

Net Worth Calculator

Add up what you own and subtract what you owe to see your current net worth.

£What You Own (Assets)

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Please enter an amount between £0 and £50,000,000.
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Please enter an amount between £0 and £50,000,000.
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Your latest pension statement value, if you have one. Please enter an amount between £0 and £50,000,000.
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Estimated current market value of any property you own. Please enter an amount between £0 and £50,000,000.
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Please enter an amount between £0 and £50,000,000.
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Valuables, business equity, or anything else of value. Please enter an amount between £0 and £50,000,000.

£What You Owe (Liabilities)

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Outstanding balance left to repay, not the original loan amount. Please enter an amount between £0 and £50,000,000.
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Please enter an amount between £0 and £50,000,000.
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Please enter an amount between £0 and £50,000,000.
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Student loans are included as a liability here for simplicity. UK student loan repayments depend on your repayment plan and income, so the outstanding balance may not represent the amount you will actually repay. Please enter an amount between £0 and £50,000,000.
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Please enter an amount between £0 and £50,000,000.
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Please enter an amount between £0 and £50,000,000.
Your Net Worth

Assets Breakdown

Liabilities Breakdown

How this calculator works: It adds up everything you own (assets) and subtracts everything you owe (liabilities) to give your net worth. A positive net worth means your assets are worth more than your debts; a negative net worth means the opposite. Net worth is a snapshot at one point in time and naturally changes as property values, investments and debts change. To plan future changes, try the Savings Calculator or Investment Calculator to project growth, or the Debt Repayment Calculator to plan paying down what you owe.

Net Worth Calculator

This Net Worth Calculator adds up everything you own and subtracts everything you owe, giving you a clear snapshot of your current financial position. Tracking your net worth over time — rather than just once — is often more useful than a single figure, since it shows whether your finances are moving in the direction you want.

How to Use This Calculator

  1. Enter your assets — cash and savings, investments, pension value, property value, vehicles and anything else of value. Use your best current estimates.
  2. Enter your liabilities — your outstanding mortgage balance (not the original loan amount), credit card debt, car finance, student loan balance, personal loans and any other debts.
  3. Click Calculate Net Worth to see your total assets, total liabilities, net worth, and a full breakdown of each category.

How Is Net Worth Calculated?

The formula is simple:

Net worth = total assets − total liabilities

For example, if your assets (savings, investments, pension, property and so on) add up to £399,000, and your liabilities (mortgage, credit cards, loans) come to £229,500, your net worth is £399,000 − £229,500 = £169,500.

What Counts as an Asset?

  • Cash and savings — current accounts, savings accounts, cash ISAs
  • Investments — stocks and shares ISAs, general investment accounts, funds
  • Pension value — the current value of your pension pot(s)
  • Property — the estimated current market value of any property you own
  • Vehicles — the estimated resale value of any cars or other vehicles
  • Other assets — valuables, business equity, or anything else with resale value

What Counts as a Liability?

  • Mortgage balance — what’s left to repay, not the original amount you borrowed
  • Credit card debt — your outstanding balance, not your credit limit
  • Car finance or loans — outstanding balance on any car finance or loan agreement
  • Student loan balance — your current outstanding student loan balance
  • Personal loans — any other outstanding personal loans
  • Other debts — anything else you owe, such as buy-now-pay-later balances

Is a Negative Net Worth a Problem?

Not necessarily. A negative net worth simply means your debts currently outweigh your assets. What tends to matter more than a single snapshot is the trend: whether your net worth is generally improving over time as you pay down debt and build savings or equity.

Frequently Asked Questions

What is a good net worth?

There’s no single figure that applies to everyone — a “good” net worth depends heavily on your age, income, location and circumstances. Rather than comparing to an average, many people find it more useful to track their own net worth over time and aim for steady improvement.

Should I include my pension in my net worth?

Many people do include their pension value, since it’s a genuine asset, though it isn’t usually accessible until retirement age. Some prefer to calculate net worth with and without pension value to see both an overall picture and a more “liquid” figure. This calculator includes pension as a separate line, so you can leave it at zero if you’d rather exclude it.

Should I use my mortgage balance or the original loan amount?

Use your current outstanding mortgage balance — what you’d actually need to pay off today — not the original amount you borrowed. Your mortgage statement or lender’s online portal will usually show this figure.

How often should I calculate my net worth?

Many people find checking every few months, or once or twice a year, gives a useful sense of the trend without becoming a source of stress over short-term market or property value fluctuations. What matters most is consistency in how you calculate it each time, so the figures are comparable.

Why is my net worth negative?

A negative net worth usually means your current liabilities — often a mortgage, student loan or other debt — are larger than the assets you’ve built up so far. What matters more than a single snapshot is the trend: whether your net worth is generally improving over time as debts are paid down and savings, pensions or property equity grow.

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