Net worth calculator

Find out what you’re worth today by adding up everything you own and taking away everything you owe. Check it every few months to see which way it’s heading.

Your net worth

$41,300

You own $46,500 and owe $5,200.

Total assets: $46,500
Total debts: $5,200
Debts as a share of assets: 11%
Cash you can reach: $10,500; Current accounts and savings

What you own

Current accounts and cash: $2,500
Savings and cash ISAs: $8,000
Pensions: $25,000
Investments and stocks and shares ISAs: $5,000
Cars and other vehicles: $6,000

What you owe

Credit cards: $1,200
Car finance: $4,000

Start with the credit cards

Card debt usually charges the most interest, so clearing it first lifts your net worth fastest.

How this is calculatedShow

Net worth = everything you own − everything you owe. Debts as a share of assets is total debts ÷ total assets.

Use today’s values: what you could sell the house or car for, and the current balance on each debt.
Pensions count, though you usually can’t touch them until later in life.
Tracking it every few months shows the trend, which matters more than any single number.

This is a guide, not financial advice. The answer depends on the figures you enter and the assumptions above.

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How this works

Your net worth is everything you own minus everything you owe. The calculator adds up your cash, savings, investments, pensions, property and anything else of value, then takes away your mortgage, cards, loans, car finance and other debts.

It also shows your debts as a share of your assets, which is a simple way to see how much of what you own is really yours.

What it assumes

Values are what things would sell for today, and debts are what you’d need to pay to clear them now.
Pensions count, though you usually can’t reach them until later in life.
Many people leave UK student loans out, because repayments depend on income and what’s left is written off.

Worked example

A typical early-career balance sheet

You have £2,500 in your current account, £8,000 in savings, £5,000 invested, £25,000 in pensions and a car worth £6,000. That’s £46,500.
You owe £1,200 on a credit card and £4,000 on car finance, £5,200 in all.
Your net worth is £41,300, and your debts are 11% of your assets.
Clearing the card from savings wouldn’t change your net worth, but it would stop the interest.

Worked out with the same maths as the calculator above.

What to do next

Common questions

Is a negative net worth bad?

It’s common, especially early on or after study. What matters is the direction. If the number rises every few months, you’re on the right track.

Should I include my home?

Yes, at a realistic sale price, with the mortgage balance as a debt. You might also track the number without your home, as that’s money you can’t easily use.

Should I count my pension?

Yes. It’s your money, even though you can’t reach it yet. Use the value on your latest statement.

How often should I check it?

Every three to six months is plenty. Values like house prices and investments move around, so the trend over a year tells you more than any single number.