Net Worth Calculator
Add up what you own, subtract what you owe and see where you stand. You can also compare the result with broad UK household wealth data for your age group.
ONS benchmarks includedNo data stored
Your assets and debts
Assets: what you own
Liabilities: what you owe
Your age group (for benchmarking)
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Your net worth
Enter your figures above to see your net worth.
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Understanding your net worth figure
Net worth is a snapshot, not a verdict. Use it to understand the shape of your finances.
Positive net worth
Your assets are worth more than your debts. This is common for homeowners with equity and people who have been saving or investing for a while. A positive figure is a good foundation. The next question is whether it is growing.
Negative net worth
Your debts currently exceed your assets. This can happen early in adulthood, especially with student loans or a new mortgage before equity builds. It is not automatically a crisis. Direction matters.
The property effect
For many UK homeowners, property makes up the largest share of net worth. Entering the property value and mortgage separately gives a clearer picture than entering equity alone.
Pension value
A defined contribution pension usually has a current value on your statement. A defined benefit pension is harder to value. Some people use a transfer value estimate; others leave it out. The important thing is to be consistent each time you check.
How do you compare with UK household wealth data?
ONS Wealth and Assets Survey data gives a broad benchmark for household wealth by age group in Great Britain. It is not a personal target. It is context.
| Age group | Median total wealth (approx) | What typically drives it |
|---|---|---|
| Under 25 | ~£15,200 | Early career savings and small investment balances |
| 25 to 34 | ~£109,800 | Early property equity and growing pension balances |
| 35 to 44 | ~£209,600 | Property equity building and pensions starting to matter more |
| 45 to 54 | ~£301,900 | Higher property equity and peak pension contributions |
| 55 to 64 | ~£496,500 | Pension values near their peak and mortgages often reducing |
| 65 to 74 | ~£502,500 | Retirement assets and property often doing most of the work |
| 75 and over | ~£373,100 | Assets often being used gradually in later retirement |
Source: ONS Wealth and Assets Survey, April 2020 to March 2022. Total wealth includes property, financial wealth, physical wealth and private pension wealth. These are Great Britain household medians by age of household reference person. Region, household size and housing status can change the picture a lot. Use this as context, not a target.
What moves net worth over time?
Net worth changes when assets grow or debts reduce. The calculators below help model parts of that picture.
Investing consistently
Regular ISA or pension contributions can compound over time. Even modest monthly amounts can become meaningful over a decade or more.
Investment CalculatorReducing mortgage debt
Every pound of mortgage paid down increases net worth directly. Whether overpaying beats investing depends on your mortgage rate and the return you think you could earn elsewhere.
Mortgage vs Invest CalculatorPaying down expensive debt
High-interest debt reduces net worth and keeps costing money while it remains unpaid. Clearing it gives you a guaranteed saving equal to the interest rate.
Building pension value
Pension contributions can be a powerful way to grow long-term wealth, especially when tax relief or salary sacrifice applies.
Salary Sacrifice CalculatorUseful notes before you rely on the figure
A few points are worth getting clear before you treat the number as final.
Should I include my car? You can. Just remember that vehicles usually lose value quickly, so the figure may move more than you expect.
What about student loans? Plan 2 and Plan 5 student loans are income-contingent and written off after a set period. Including them gives a more cautious figure. Leaving them out may make sense if you are unlikely to repay the full balance.
How often should I calculate this? Once or twice a year is usually enough. Checking too often can make normal changes feel more important than they are. Using the same month each year makes comparison easier.
Is a higher net worth always better? Usually, but context matters. £300,000 tied up in a home is not the same as £300,000 split between pension, ISA and cash. Net worth is one measure. Liquidity and income matter too.
This calculator is a planning tool. It helps you understand where you stand financially. It does not tell you what to do next and cannot reflect your full circumstances. For significant assets or complex situations, consider speaking to a regulated financial adviser.