Add what you have now
Enter your savings, investments, pension, property value and debts. A sensible estimate is enough to start.
Know where you stand. See what's possible.
Most people have no clear picture of their wealth. They know their salary and mortgage, and they might know their pension balance, but not how it all fits together.
This planner brings your savings, investments, pension and property into one view. It shows your current financial position, how that could change over time, and how your wealth compares with UK household wealth data.
Not to tell you what to do. To help you see the path more clearly.
ONS household benchmarksPersonal goal tracking
How to use this Wealth Planner
Start with where you are now.
Once you understand your current financial position, it becomes much easier to see what could be possible next.
Set the path to test
Choose the age you want to project to, then add the monthly habits you want the planner to test.
Use the ONS benchmark
Compare your position with UK household wealth data. It is there for context, not judgement.
Find the next question
If one part of the picture stands out, use the linked tools to look more closely.
Your current wealth
Start with the position you are in today. This is the base the whole projection builds from.
Your position today
This snapshot shows what you own, what you owe and what is left afterwards.
How your wealth compares with ONS household data
This is the part most calculators miss. Your number is easier to understand when you can see it beside a real UK household benchmark.
ONS figures are median household wealth figures from the Wealth and Assets Survey, April 2020 to March 2022. They compare households, not individuals. Use them as a broad reference point, not a personal target.
How this is calculated
The planner adds cash, investments, pension value, property equity and other assets, then subtracts mortgage balance and other debts. It then matches your age to the nearest ONS household wealth age band and compares your net worth with the median household wealth figure for that band.
Your future path
Now test what could happen if the habits entered below continue from here.
What you are reaching for
Money you add each month
Growth assumptions
This planner uses simple annual growth assumptions and treats monthly contributions as spread through each year. It is for testing a direction, not predicting a precise future.
Your projected outcome
Enter your figures to see your projection.
Projected wealth over time
Cash, investments, pension and property equity
TotalInvestmentsPensionProperty equityCash
Where this path could place you
This compares your projected wealth, adjusted for inflation, with today’s ONS household wealth benchmark for your target age band.
This uses today’s ONS median household wealth figures. It does not forecast where national wealth levels will be in future.
How this is calculated
The planner projects your cash, investments, pension and property equity to the target age, subtracts any remaining debts, then adjusts the result for inflation. That real-terms figure is compared with the current ONS median household wealth figure for your target age band. It is a context check, not a ranking system.
What the numbers show
Your wealth dashboard
The useful part is not just the final number. It is seeing where the wealth comes from, which milestones appear realistic and what you might want to check next.
Milestone timeline
The ages below use your base assumptions. They are estimates, not targets.
What you are reaching for
Use your personal target as a marker. The planner shows whether the path entered reaches it by your target age.
Wealth breakdown
See whether your future wealth is mostly flexible investments, pension, cash or property equity.
Strengths and watch points
A plain-English readout based on the numbers entered.
Save or share this scenario
The page URL captures your inputs. Copy it if you want to come back later or test the same scenario on another device.