Net Worth Calculator

Add up your assets and subtract your liabilities to find your personal net worth in pounds.

Assets (what you own)
£
£
£
£
£
£
£
£
Liabilities (what you owe)
£
£
£
£
£
£
£
£
Your Net Worth
Total Assets
£0.00
Total Liabilities
£0.00
Net Worth
£0.00
Category Assets Liabilities Net
Cash & savings £0.00 £0.00 £0.00
Investments & pensions £0.00 — £0.00
Property £0.00 £0.00 £0.00
Vehicles & possessions £0.00 £0.00 £0.00
How to grow your net worth
  • Track it regularly. Recalculate every 3–6 months and look at the trend, not just the absolute number.
  • Pay down high-interest debt first. Credit cards and BNPL typically cost 20%+ APR — clearing these is a guaranteed return.
  • Max out tax-efficient wrappers. ISAs (£20,000/year) and pensions reduce tax drag and accelerate compounding.
  • Don\'t forget the employer match. Workplace pension contributions are free money for most UK employees.
  • Be realistic about property. Use a current Zoopla/Rightmove valuation, not optimistic estimates.
Frequently Asked Questions

Net worth is the total value of everything you own (your assets) minus everything you owe (your liabilities). A positive net worth means your assets exceed your debts, while a negative net worth means you owe more than you own.

Assets include cash and bank balances, savings, ISAs and investments, pension pots, the market value of your home and other property, vehicles, and valuable possessions such as jewellery or collectables. Use the current market value rather than what you paid.

Liabilities are debts you owe, including the outstanding mortgage balance, credit card balances, personal loans, car finance, student loan balance, overdrafts, and any money owed to family or friends.

Yes. Workplace and personal pension pots form a significant part of most people's net worth. Use the current transfer value or fund value shown on your latest pension statement. For defined benefit (final salary) pensions, the cash-equivalent transfer value (CETV) is usually the most accurate figure.

There is no universal target, but a common rule of thumb is to aim for a net worth equal to your annual salary by age 30, three times your salary by age 40, and six times by age 50. The most important thing is that your net worth is trending upwards over time.
Net Worth Milestones (UK)

Rough rule-of-thumb targets — based on a multiple of your annual salary.

AgeTarget
301× salary
403× salary
506× salary
608× salary
67 (SPA)10× salary
Related Tools