Build wealth · UK
Net Worth Calculator
Add up what you own and subtract what you owe to find your net worth, and see how it breaks down between property, savings, investments and debt.
What you own
What you owe
Use realistic current values. A snapshot to help you track progress, not financial advice.
- Total assets
- £365,000
- Total liabilities
- £190,000
- Net worth
- £175,000
- Owned outright
- 48%
How to work out your net worth
Net worth is a single number that sums up your finances: add up everything you own, then take off everything you owe. The figure itself matters less than watching it grow over time as you save, invest and pay down debt. A negative number is common earlier in life, especially with a mortgage or student loan, and tends to climb as the years go on.
Common questions
What is net worth?
Net worth is everything you own minus everything you owe. Add up your assets, things like your home, savings, pension and investments, then subtract your debts, such as a mortgage, loans and credit cards. What is left is your net worth. It can be negative if you owe more than you own.
What counts as an asset?
Anything with real resale or cash value: property, cash savings, investments, a pension pot, and sometimes a car or other valuables. Use a realistic current value, not what you paid. Leave out things that are hard to sell or value.
Should I include my pension in net worth?
Yes. A pension is one of the biggest assets most people build, so including it gives a truer picture. Some people also track net worth both with and without the pension, since you cannot usually access it until later in life.
What is a good net worth?
There is no single right number, because it depends on your age, income and goals. What matters more is the direction of travel: a net worth that grows over time as you save, invest and pay down debt. Track it once or twice a year to see progress.
How often should I update it?
Once or twice a year is plenty for most people. Checking too often can make normal ups and downs, especially in investments, feel bigger than they are. A regular yearly snapshot shows the long-term trend.
About this calculator
This adds up the assets and debts you enter and subtracts one from the other. Nothing is stored, so the figures stay in your browser. It is a tracking tool to help you see your position, not financial advice. Last updated June 2026.