Add up what you own, subtract what you owe. This calculator does the maths instantly, right here in your browser - nothing you type is saved or sent anywhere.
Enter your numbers
Rough figures are fine. You can always come back and refine them.
Net worth is the simplest number in personal finance: what you own, minus what you owe. Add up your assets - cash, investments, pensions, property, anything with value - then subtract your liabilities - your mortgage, loans, credit cards and other debts. What's left over is your net worth.
It's the single best measure of financial progress, better than salary or savings rate on their own, because it captures everything at once: how much you've saved, how your investments have performed, and how much debt you've paid down.
Why bother tracking it
It cuts through the noise. Your bank balance alone doesn't tell you much. Net worth accounts for investments, property and debt together.
It shows direction, not just a snapshot. A single number matters less than whether it's rising month to month.
It catches problems early. A growing credit card balance or a stalling investment account shows up immediately when you're tracking the total.
It's motivating. Watching the number climb, even slowly, is one of the more reliable ways to stay consistent with saving and investing.
Average net worth in the UK by age
For context, here's roughly how net worth (including property and pension equity) tends to look across UK age groups, based on ONS wealth and assets survey data. Treat these as a loose benchmark, not a target - individual circumstances (renting vs owning, region, career stage) vary enormously.
Age group
Typical net worth range
Under 25
Often near £0 or negative (student debt, no property)
25-34
£10,000 - £50,000
35-44
£50,000 - £150,000
45-54
£150,000 - £300,000
55-64
£250,000 - £450,000
65+
£300,000+ (often property and pension heavy)
Tips to improve your net worth
Attack high-interest debt first. Credit card and overdraft interest usually outpaces anything you'll earn investing, so clearing it has the best return of anything on this list.
Automate saving and investing. Money that moves before you see it gets saved far more reliably than money you mean to save later.
Use tax-efficient wrappers. ISAs and pensions shelter growth from tax, which compounds meaningfully over years.
Review subscriptions and recurring costs. Small monthly leaks add up to real money over a year.
Check in regularly. Monthly tracking, even for 30 seconds, keeps you honest and catches problems before they compound.
Frequently asked questions
Anything with monetary value that you own: cash and savings, stocks and funds (including ISAs and GIAs), pension pots, property value, crypto, and other valuables like vehicles or business equity.
Any debt you owe: mortgage balance, credit card debt, personal loans, student loans, car finance, and any other money you're committed to paying back.
It's common, especially earlier in life or shortly after buying a home or taking out student loans. What matters more than the number itself is the direction it's moving. Tracking it over time shows whether you're making progress.
Monthly is a good rhythm for most people - frequent enough to spot trends, infrequent enough that it doesn't become stressful. Some people prefer quarterly. Daily checking isn't usually useful since asset values fluctuate.
Yes, most people include their pension pot value as an asset, since it's money you own even if you can't access it yet. Some prefer to track it separately from liquid net worth - either approach is fine as long as you're consistent.
No. Everything you type into this calculator runs in your browser and disappears the moment you close or refresh the page. Nothing is sent to a server or stored anywhere. If you want to save your net worth and track it over time, you can create a free CeeWealth account.
A one-off number is nice. A trend line is better.
CeeWealth saves every update so you can watch your net worth move over months and years, free.