Net Worth Calculator
List your assets and your debts, one per line, with the amount at the end. Your net worth is updated as you type.
Use what each item would sell for, and what you still owe on each debt today.
Worked examples
A typical household
Assets: current account, savings, ISA, pension, car and home. Debts: mortgage, credit card and car finance
£98,400 net worth
Assets of £292,800 less debts of £194,400.
About Net Worth Calculator
Your net worth is the value of everything you own less everything you owe. It is one of the clearest measures of your financial health, because it shows where you stand overall rather than only what you earn or save each month. Over time you want it to rise, through saving, paying down debt and growth in what you own.
List your assets on one side, such as cash, savings, investments, pensions, property and a car, and your debts on the other, such as a mortgage, credit cards and loans. Write a name and then the amount on each line. The page adds them up and shows your net worth, the totals, the share of your assets that is owed, and each list in a table. Repeat it once or twice a year to track your progress.
How to use Net Worth Calculator
- List each asset on its own line, with a name and then its value.
- List each debt on its own line, with a name and then the amount owed.
- Read your net worth and the totals.
- Save the figures and come back in six months to compare.
Common uses
- Getting a full picture of your finances
- Tracking progress towards a financial goal
- Preparing for a mortgage or a financial adviser meeting
- Checking how a big purchase affects your position
Sources
Last reviewed 18 October 2026.
Frequently asked questions
What counts as an asset?
Anything of value you own: cash, savings, investments, pension pots, property and valuable items such as a car. Use what it would sell for today.
What counts as a debt?
Everything you owe: mortgage, loans, credit cards, overdrafts, car finance and money owed in tax.
Is a negative net worth bad?
It is common when you are young, have a student loan or have just bought a home. What matters is the direction over time.
Should I include my home and pension?
Yes for a full picture, but you may also like to look at net worth without them, since you cannot spend either easily.
How should I write the lines?
Put the name first and the amount last, for example Savings 5000. Commas in the amount and a pound sign are fine.