Net Worth Calculator
Net worth = everything you own minus everything you owe. This simple snapshot of your financial position is the best single measure of financial health.
Building Net Worth
What to Include
Assets: cash, current accounts, savings, investment accounts, pension (current value), property, vehicles, valuables, business equity. Liabilities: mortgage, personal loans, car finance, credit card balances, student loans, any money owed.
Tracking Progress
Calculate your net worth every 3–6 months. The trend matters more than the absolute number. A positive trend — net worth growing year on year — is the goal. Paying down debt and increasing savings both improve net worth simultaneously.
Net Worth by Age
These are median UK figures, not targets: Age 30: ~£40,000. Age 40: ~£125,000. Age 50: ~£220,000. Age 60: ~£330,000. Property equity dominates UK net worth — those who bought property earlier have dramatically higher net worths than renters at the same age.
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