Homeowner
- Input
- £390,000 assets, £228,000 debts
- Output
- Net worth £162,000 · liquid £40,000
Most of the net worth is house equity, which cannot be spent without selling or borrowing against the property.
Net Worth Calculator
A net worth calculator subtracts what you owe from what you own. The single figure is less useful than the composition behind it: a net worth of £162,000 that is almost entirely house equity behaves very differently from the same figure held in savings. Assets are grouped by how quickly they can be turned into cash, so the picture is honest.
Runs entirely in your browser — your figures are never uploaded.
How do you calculate net worth?
Net worth = total assets − total liabilities. Someone with a £350,000 house, £40,000 in savings and investments, and a £220,000 mortgage plus £8,000 of other debt has a net worth of £162,000.
This calculator performs arithmetic on figures you provide and is not financial advice.
Liquid assets
Convertible to cash quickly
£
£
Other assets
Property, vehicles, valuables
£
Liabilities
Outstanding balances, not originals
£
£
Net worth
£162,000
£390,000 in assets less £228,000 in debts
- Total assets
- £390,000
- Total liabilities
- £228,000
- Liquid net worth
- -£188,000
- Debt to assets
- 58%
Excluding property and other slow assets
- Liquid assets — 6%
- Other assets — 57%
- Debts — 37%
The maths
Net Worth Calculator formula
Formula
Net worth = Total assets − Total liabilities
- Assets
- Everything owned that has value — property, savings, investments, vehicles
- Liabilities
- Everything owed — mortgage, loans, credit card balances
Worked example
A typical household balance sheet
Inputs
- Property
- £350,000
- Savings and investments
- £40,000
- Mortgage
- £220,000
- Other debt
- £8,000
Working
- Total assets = 350,000 + 40,000 = £390,000
- Total liabilities = 220,000 + 8,000 = £228,000
- Net worth = 390,000 − 228,000
£162,000, of which only £40,000 is liquid.
How to
How to use the Net Worth Calculator
- 1
List your assets
Enter cash, savings, investments, property and vehicles at current market value rather than what you paid.
- 2
List your liabilities
Enter outstanding balances, not original amounts — mortgage, loans, credit cards, anything owed.
- 3
Read the split
Liquid net worth excludes property and other assets you cannot quickly sell, which is the figure that matters in an emergency.
- 4
Track it over time
The trend matters more than the level. Recalculating quarterly shows whether the direction is right.
Examples
Net Worth Calculator examples
Renter with investments
- Input
- £120,000 assets, £5,000 debts
- Output
- Net worth £115,000 · liquid £115,000
A lower headline figure but entirely accessible. Comparing only the net worth figure would misjudge which position is more flexible.
Negative net worth
- Input
- £25,000 assets, £45,000 student debt
- Output
- Net worth −£20,000
Common early in a career and not alarming on its own. The trend over the following years is what matters.
Why use it
What the Net Worth Calculator gives you
Liquidity made visible
Liquid net worth is shown separately, so a figure dominated by property equity is not mistaken for available money.
Debt in context
The debt-to-asset ratio shows how leveraged the position is, which the headline figure alone conceals.
A single point of reference
One number to track over time, which is far more informative than any individual account balance.
Completely private
A full picture of your finances is exactly what should never be uploaded, and here it never is.
Good to know
Net Worth Calculator limitations
- Asset values are estimates. Property and vehicles are worth what someone will pay, which is only known at sale.
- Selling costs are excluded — estate agent fees, legal costs and capital gains tax all reduce what an asset actually realises.
- Ignores income and expenses entirely. A high net worth with no income is a different situation from the same figure with strong earnings.
- Pensions may be hard to value accurately, particularly defined-benefit schemes where the transfer value is not the same as the promised income.
Summary
Net Worth Calculator in short
- Net worth = total assets − total liabilities.
- Liquid net worth excludes assets you cannot quickly sell.
- A negative net worth is common early in a career.
- The trend over time matters more than the level.
- Composition matters as much as the headline figure.
FAQ
Net Worth Calculator questions
How is net worth calculated?
Add everything you own at current value, add everything you owe, and subtract the second from the first. £390,000 of assets against £228,000 of debts gives a net worth of £162,000.
What should I include as an asset?
Anything with resale value: cash, savings, investments, pensions, property, vehicles and valuables. Use realistic current market values, not purchase prices or sentimental estimates.
What is liquid net worth?
Net worth counting only assets convertible to cash quickly — savings and listed investments, but not property or a car you need. It is the more useful figure when assessing resilience to a shock.
Is a negative net worth bad?
Not necessarily. Student debt and a recent mortgage both produce negative figures for people whose finances are otherwise healthy. What matters is whether it is improving year on year.
Should I include my home?
Include it as an asset and the mortgage as a liability, so the net effect is your equity. But track liquid net worth separately, since you cannot spend house equity without selling or borrowing.
How do I value a pension?
For a defined-contribution scheme, use the current fund value. Defined-benefit schemes are harder — the transfer value is a rough proxy but understates a guaranteed inflation-linked income.
How often should I calculate it?
Quarterly or twice a year is enough. Monthly checks mostly capture market noise, and the value of the exercise is in the multi-year trend rather than short-term movement.
How does my net worth compare with others?
Comparisons are of limited use because age, country, housing market and career stage dominate. Someone of 25 and someone of 55 with the same figure are in very different positions.
Is my financial information stored?
No. Everything is calculated in your browser and nothing is transmitted. There is no account and no record — closing the tab discards all of it.
Discover
Related calculators
Retirement CalculatorWork out the corpus needed to retire and what to save monthly. Adjusts for inflation on both sides, which most calculators only do on one.Profit Margin CalculatorCalculate profit margin and markup from cost and price. The two are routinely confused — a 60% margin is a 150% markup, and both are shown.Compound Interest CalculatorProject savings growth with any compounding frequency and regular contributions. Both parts use the same frequency, so the result is consistent.