Net Worth Calculator

By the Bureau of Wealth team Updated 15 September 2026

This calculator is general information, not financial advice. Check your own figures with the provider or a qualified adviser before acting on them.

List what you own and what you owe to see your net worth today, a single figure you can check each year to see whether your finances are moving in the right direction.

What this calculator assumes

Net worth is the total of everything you enter under what you own minus the total of everything you enter under what you owe. The calculator makes no other adjustment.
Every value is the figure you type in. The calculator does not look up property prices, account balances or car values, so the result is only as good as your estimates.
Pension pots are counted at the value you enter. Income Tax due when you draw most of a pension is not deducted unless you reduce the figure yourself.
Selling costs, such as estate agent and solicitor fees on your home, are not taken off automatically.
Future income, including your salary and the State Pension, is not treated as an asset. Net worth is a snapshot of what you have now.

Emergency Fund Calculator
If your net worth is mostly in property and pensions, check you also have enough cash put aside for an emergency.
50/30/20 Budget Calculator
Net worth grows from what you save and repay each month, and a 50/30/20 budget shows how much of your take-home pay could go towards that.

How net worth is worked out

Your net worth is what you own minus what you owe. If what you own is worth more, the figure is positive. If your debts are larger, it is negative.

The calculator adds up each row under what you own, adds up each row under what you owe, and shows both totals with the difference between them. Add a row for anything not already listed, such as a car, a Lifetime ISA or money you owe to family.

A worked example

Say your home is worth £280,000, you have £9,000 in current accounts and savings, and £62,000 in pensions and investments. You owe £190,000 on your mortgage and £7,500 on a car loan and credit cards. What you own totals £351,000, what you owe totals £197,500, and your net worth is £153,500.

Most of that figure is equity in the home. It is real wealth, but you can only reach it by selling or remortgaging.

What to include and how to value it

Your home: use a realistic sale price, not the asking prices of homes on the market. In England and Wales you can look up what nearby homes actually sold for with the HM Land Registry search on GOV.UK. If you want a stricter figure, knock off what you would pay an estate agent and solicitor to sell.

Pensions: for a workplace or personal pension where you build up a pot, use the value on your latest statement. MoneyHelper explains that your provider should send a yearly statement showing how much your pot is worth, and you can usually see it online. Remember that you can usually take up to 25% tax-free and the rest is taxed as income, so a pension pot is worth less to you than the same amount in an ISA. A defined benefit (final salary) pension usually shows a yearly income rather than a pot, so many people track it separately. If you have lost track of an old workplace pension, the GOV.UK find pension contact details service can help.

Savings and investments: include current accounts, savings accounts, Cash ISAs, Stocks and Shares ISAs and general investment accounts at today's value.

Debts: use the settlement figure on each loan and the current balance on every credit card, even ones you clear each month. Include overdrafts and car finance too.

Why tracking it every year matters

One net worth figure tells you little. The same calculation repeated each year shows which way you are heading. Pick a fixed date, perhaps the start of the tax year on 6 April, value things the same way each time, and note the result. Paying off debt raises your net worth just as much as saving the same amount.

A negative figure is common early on, especially with a new mortgage or car finance. What matters is whether it improves over time.

Putting the figure to use

A healthy net worth locked up in property and pensions can still leave you short when the boiler breaks. Check how much of your total you could reach within a few days, and compare it with your essential outgoings. The emergency fund calculator shows how much cash to keep in an easy access account and how long it will take to build.

Frequently asked questions

What is a good net worth for my age?

There is no single right figure, because income, housing costs and debts vary so much across the UK. A better test is whether your own net worth is growing from one year to the next.

Should I include my home?

Yes, as long as you also include the mortgage. Use a realistic sale price so the equity you show is money you could actually get. Many people also check their net worth without the home, to see what they have outside it.

How should I count my pension?

For a pot-based pension, use the value on your latest statement or online account. Most of what you take out later will be taxed as income, so some people count pensions at a lower figure than ISAs. The State Pension is an income, not an asset you can add up here.

Does a car count as an asset?

Yes, at what it would sell for today, which is usually well below what you paid. If it is on finance, include the amount needed to settle the agreement under what you owe.

Is a negative net worth a problem?

Not necessarily. A new mortgage with a small deposit, a car on finance or recent borrowing can make it negative for a few years. It is a warning sign if the figure keeps falling year after year.

Sources

Figures come from institutions millions of people rely on. How we keep calculators accurate.