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.
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.
When to Seek Financial Advice
Calculator results provide estimates based on stated inputs and should not replace professional financial advice for significant decisions. Free, regulated financial guidance is available through MoneyHelper (moneyhelper.org.uk, 0800 011 3797) for general money queries. Regulated independent financial advisers (IFAs) — find one at unbiased.co.uk — provide personalised advice on mortgages, pensions, investments, and insurance. Advice fees are typically £150-350 per hour or a percentage of assets
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