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Net worth calculator
Everything you own minus everything you owe, with a breakdown of where it sits and how much of it you could actually spend.
Student loan is left out on purpose: UK plan-type repayments behave like a tax (a slice of income above a threshold, written off after a set period), not a debt you must clear, so most net worth trackers exclude it. If you would rather count yours, add the balance to “other debts”.
Your net worth
£160,800
£346,000 owned − £185,200 owed · debts are 54% of assets
Liquid net worth
£14,800
Cash + investments, minus short-term debts
Total net worth
£160,800
Including home, property and pensions
- Home£280,000
- Pensions£40,000
- Investments (ISA / GIA)£12,000
- Cash savings£8,000
- Car / vehicles£6,000
- Mortgage£180,000
- Loans£4,000
- Credit cards / overdraft£1,200
Wondering how this compares? There is no single “right” number, but the official data on average savings by age and average pension pots by age gives a sense of the landscape.
Common questions
- Should my student loan count as a debt?
- Most people leave it out, and this calculator does by default. UK plan-type student loans behave like a tax: you repay a fixed slice of income above a threshold, the balance is written off after a set period, and many people never repay it in full. It does not appear on credit files like a normal loan. If yours is small or you plan to clear it, add the balance to "other debts" instead.
- Is home equity "real" money?
- Yes and no. The equity in your home is genuinely yours and belongs in your total net worth, but you cannot spend it without selling, downsizing or borrowing against it, and you still need somewhere to live. That is why this calculator shows liquid net worth separately: it strips out the home and pensions to show what you could actually get your hands on.
- What counts as liquid?
- Cash savings and investments you could sell within days, like ISAs, general investment accounts and shares. Property, pensions and vehicles are excluded: property takes months to sell, pensions are normally locked until at least your mid-fifties, and cars lose value the moment you need to sell quickly. Short-term debts (loans, cards, overdrafts) are subtracted from the liquid side too.
- How often should I track my net worth?
- Quarterly or twice a year is plenty. Monthly tracking mostly measures market noise and house-price guesswork, which is discouraging on down months and teaches you nothing. The useful signal is the direction over years: the share URL this page generates updates as you type, so you can bookmark it and compare next time.
- What is a good net worth for my age?
- There is no official target, and averages hide huge variation: housing wealth dominates for homeowners while renters with the same income can look far "poorer" on paper. Rather than chasing a single number, compare the pieces: our average savings by age and average pension pot by age pages show the official UK data so you can see the landscape without judging yourself against one headline figure.
- My net worth is negative. Is that bad?
- It is common, especially in your twenties and thirties after university, a car loan or a 95% mortgage, and it is a snapshot, not a verdict. What matters is the trend. Listing the debts is itself the first step of every payoff method; the debt payoff planner will show how fast the picture changes once you point spare money at the most expensive balance.
If debts are the part you want to shrink, the debt payoff planner maps the fastest way through them. For context on the asset side, see the official data on average savings by age and average pension pots by age.