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Net Worth Calculator UK
Add up your assets and liabilities to estimate total net worth, liquid net worth, property equity and your debt-to-asset ratio.
Assets minus liabilities
Liquid net worth view
Debt ratio included
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Calculate your net worth
Enter the main things you own and owe. The calculator updates automatically and separates total net worth from liquid net worth.
Current accounts, savings accounts and cash reserves.
ISAs, general investment accounts and other invested assets.
Approximate private pension value.
Estimated market value of your home or property.
Car, jewellery, collectibles or other saleable assets.
Any other assets you want to include.
Outstanding mortgage debt.
Personal loans, car finance or other loans.
Outstanding credit card balances.
Overdrafts, arrears, tax owed or other liabilities.
How to use this calculator
- Add your main assets: cash, investments, pension, property and valuables.
- Add your main liabilities: mortgage, loans, credit cards and other debts.
- Review total net worth, liquid net worth and property equity.
- Repeat monthly or quarterly to track progress over time.
What your net worth result means
Net worth is a snapshot of what you own minus what you owe. A positive figure means your assets are worth more than your liabilities. A negative figure means your debts are currently larger than your assets.
Liquid net worth is shown separately because some assets, such as pensions and property, may not be easy to access quickly.
Planning note: net worth is useful for tracking progress, but it does not replace cash-flow planning, emergency savings or debt management.
Use net worth as a progress tracker
Once you know your net worth, compare it with emergency fund, FIRE and pension planning calculators to understand the bigger picture.
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How net worth works
Net worth is one of the simplest ways to measure overall financial position. It adds together assets such as cash, investments, pensions and property, then subtracts debts such as mortgages, credit cards and loans.
A rising net worth often means you are building assets, reducing liabilities, or both. However, the number can move around when property values or investments change.
Liquid net worth is useful because it focuses on money that may be easier to access. Cash and investments are usually more flexible than property equity or pension savings, although investments can still fall in value.
Tracking net worth regularly can show whether financial decisions are moving you in the right direction, especially when combined with a savings plan and debt repayment strategy.
What affects your net worth
- Cash savings: emergency savings and cash reserves increase assets and improve liquidity.
- Investments: investment values can increase or decrease with markets.
- Pensions: pension savings can be a major asset, but may not be accessible until later life.
- Property equity: property value minus mortgage balance can strongly affect net worth.
- Consumer debt: credit cards, loans and overdrafts reduce net worth and can create monthly pressure.
- Asset valuations: estimates for property, cars and valuables can be uncertain, so conservative values may be safer.
Net worth calculator formula
The calculator adds assets, adds liabilities, then subtracts liabilities from assets.
total_assets =
cash + investments + pension + property + vehicles_and_valuables + other_assets
total_liabilities =
mortgage + loans + credit_cards + other_debts
net_worth =
total_assets - total_liabilities
liquid_net_worth =
cash + investments - unsecured_debts
property_equity =
property_value - mortgage_balance
debt_to_asset_ratio =
total_liabilities ÷ total_assets × 100
Net worth example
This simple example shows how assets and liabilities combine into one snapshot.
| Item | Example value | Effect on net worth |
|---|---|---|
| Total assets | £300,000 | Adds to net worth |
| Total liabilities | £190,000 | Reduces net worth |
| Net worth | £110,000 | Assets minus liabilities |
Net worth calculator FAQs
What is net worth?
Net worth is the value of everything you own minus everything you owe.
How do you calculate net worth?
Add up assets such as cash, investments, pensions, property and other valuables, then subtract liabilities such as mortgages, loans, credit cards and other debts.
Should I include my pension in net worth?
Many people include pension value in total net worth, but also track liquid net worth separately because pension money is not usually immediately accessible.
What is liquid net worth?
Liquid net worth focuses on assets that can be accessed more easily, such as cash and investments, minus short-term or unsecured debts.
Is net worth the same as income?
No. Income is money coming in over time, while net worth is a snapshot of assets minus liabilities at one point in time.
Key terms used in this calculator
These glossary pages explain the main terms used when measuring financial position and progress.