Free toolsNet Worth Calculator
Free tool
Net Worth Calculator
Add up what you own and what you owe to see your net worth.
Your figures
What you own
£
Current accounts, savings accounts and cash ISAs.
£
Stocks and shares ISAs, general investment accounts, shares.
£
Current value of workplace and personal pensions.
£
What your home and any other property would sell for.
£
A car, a business stake, money you are owed.
What you owe
£
£
Personal loans, car finance, student loans if you count them.
£
£
Buy now pay later, money owed to family.
Your net worth
£47,500.00
£56,000.00 owned less £8,500.00 owed. Leaving out your home, its mortgage and pensions, it is £17,500.00.
The working
Assets less liabilities
| What you own | |
|---|---|
| Cash and savings | £12,000.00 |
| Investments | £14,000.00 |
| Pensions | £30,000.00 |
| Total assets | £56,000.00 |
| Less loans | −£6,000.00 |
| Less credit cards and overdrafts | −£2,500.00 |
| Net worth | £47,500.00 |
| Leaving out your home, its mortgage and pensions | £17,500.00 |
How to read it
- Net worth is a snapshot. Working it out on the same day each month or quarter shows which way it is moving.
- The figure without your home and pensions is closer to what you could reach without selling up or waiting for pension age.
- Use what things would sell for today, not what you paid for them.
What it does
Enter your savings, investments, pensions and property, then your mortgage, loans and cards. It shows your net worth, and the figure leaving out your home and pensions.
Against your own numbers
An estimate is useful. Running it against your real accounts is better, and takes about ten minutes.