Calculate Your Net Worth

Track your financial health by adding up all your assets and subtracting your liabilities

Assets £0

Property £0
Current market value of your home and any other property you own.
£
Include primary residence, buy-to-let properties, holiday homes, and land.
Cash & Bank Accounts £0
Total in your current and savings accounts, fixed-term deposits, and cash on hand.
£
Include current accounts, savings accounts, fixed-term deposits, Premium Bonds, and physical cash.
Pension Schemes £0
Value of your workplace pension, personal pension, SIPP, and state pension entitlement.
£
Include workplace pensions, SIPPs, personal pensions, and estimated state pension value.
Investments £0
Stocks & shares, ISAs, bonds, funds, and other non-pension investments.
£
Include ISAs, investment accounts, shares, bonds, investment trusts, ETFs, NS&I products, etc.
Vehicles £0
Current market value of cars, motorcycles, and other vehicles.
£
Check Auto Trader, Parkers, or other valuation services for accurate market values.
Personal Property £0
Value of furniture, jewellery, collectibles, electronics, and other belongings.
£
Be conservative with estimates - use resale value, not replacement cost.
Other Assets £0
Business ownership, life insurance surrender value, cryptocurrencies, etc.
£
Include business equity, life insurance surrender value, cryptocurrencies, intellectual property, etc.

Liabilities £0

Mortgage £0
Remaining balance on your residential and buy-to-let mortgages.
£
Include residential mortgages, buy-to-let mortgages, and equity release/lifetime mortgages.
Credit Card Debt £0
Total balances owed on all your credit cards and store cards.
£
Include all credit card balances, even if you plan to pay them off this month.
Student Loans £0
Remaining balance on all student loans from Student Loans Company.
£
Include Plan 1, Plan 2, Plan 4, and Postgraduate Loans from Student Loans Company.
Car Finance £0
Remaining balance on car loans, HP agreements, or PCP finance.
£
Include car loans, hire purchase (HP) agreements, personal contract purchase (PCP), and lease agreements.
Personal Loans £0
Balance on personal loans from banks, building societies, or individuals.
£
Include bank loans, building society loans, peer-to-peer loans, and money from family/friends.
Overdrafts £0
Total overdraft balances across all accounts.
£
Include arranged and unarranged overdrafts on your current accounts.
Other Debt £0
Business loans, tax debt, other outstanding liabilities.
£
Include business loans, tax debt, buy now pay later, and any other debts.
Your Net Worth
£0
Enter your assets and liabilities above to calculate your net worth.

Average Net Worth by Age in the United Kingdom

Net worth benchmarks by age group in the UK
Age Group Median Net Worth Average Net Worth
Under 35 £24,500 £92,800
35-44 £128,900 £308,600
45-54 £278,100 £541,200
55-64 £416,700 £785,900
65-74 £385,900 £709,700
75+ £298,500 £577,300

Source: Office for National Statistics - Wealth and Assets Survey (most recent data)

Tips to Improve Your Net Worth
  • Pay off high-interest debt first - Focus on credit cards, overdrafts and payday loans.
  • Build an emergency fund - Aim for 3-6 months of expenses in an easy-access savings account.
  • Maximise pension contributions - Take advantage of employer matching and tax relief.
  • Use ISA allowances - Maximise your annual £20,000 ISA allowance for tax-efficient investing.
  • Increase your income - Develop skills for career advancement or start a side business.
  • Create a budget - Track spending and find areas to save more money.

Understanding Your Net Worth

What Is Net Worth?

Net worth is the difference between what you own (assets) and what you owe (liabilities). It's a snapshot of your financial position at a specific point in time.

About Assets

Assets are things you own that have monetary value. They include cash, investments, property, and personal possessions that could be sold for cash.

About Liabilities

Liabilities are debts or obligations you owe to others. These include mortgages, loans, credit card balances, and any other forms of debt.

Why Track Net Worth?

Tracking your net worth over time helps you measure financial progress, identify areas for improvement, and make better decisions about saving, spending, and investing.