Add ISAs, pensions, property and debts. See equity, liquid wealth and how you compare with ONS age-band medians
Net worth = assets − liabilities
Comparison uses ONS median household total wealth for the age of the household head. Your own figures can be individual or household — just be consistent.
Enter current pot values, not remaining annual allowance.
Use current pot / transfer value. For a defined-benefit scheme enter the CETV if you have one; otherwise leave at 0. State Pension is an income stream and is not added as a lump sum.
Use a current market estimate (sold prices on Rightmove or Zoopla), not the price you paid. Mortgages go under debts so equity is calculated for you.
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The free UK Net Worth Calculator adds up what you own — cash, ISAs, pensions, property, investments, vehicles and other assets — and subtracts what you owe. Results update as you type and stay in your browser. Use it as a snapshot of today, not a forecast.
Choose the age band that matches the household head (or you, if you are entering individual figures). This only drives the ONS comparison box. It does not change the arithmetic.
Mortgage, other property loans, cards, overdraft, personal loans, car finance, BNPL and anything else you still owe. Student loans are listed separately.
UK student loans (Plan 1, 2, 4, 5 and postgraduate) are repaid as 9% of earnings above a threshold and are written off after a set term. They do not behave like a credit card. The calculator therefore excludes them from net worth by default. Turn the toggle on to include the balance; the excluded amount is still shown as a note.
Net worth = total assets − included liabilities
Goal: see liquid wealth clearly without letting an income-contingent loan wipe out the picture.
Net worth ≈ £28,000 | Liquid net worth ≈ £16,000 | Student loan shown as excluded £38,000
Goal: separate house equity from money you could actually use.
ONS median household wealth for 35–44 is £209,600 (WAS, April 2020–March 2022).
Goal: see how a larger pension pot and a smaller mortgage change the mix.
Net worth ≈ £785,000 | Pension wealth ≈ £310,000 | Home equity ≈ £385,000. ONS median for 55–64 is £496,500.
Not professional advice: This calculator is an estimation and educational tool. It is not financial, tax, legal or mortgage advice. Values are only as accurate as the figures you type. Consult a regulated adviser for decisions that affect you.
Assumptions: Property is entered at estimated market value with no selling costs, stamp duty or CGT. Pensions are current pot or CETV figures — withdrawals may be taxable and transfer values can be lower than the “fund” of a defined-benefit income. State Pension is omitted because it is an income stream, not a pot. Crypto and unlisted business interests are marked to the value you supply.
ONS comparison: Medians are household total wealth for Great Britain from the Wealth and Assets Survey, April 2020 to March 2022, published 24 January 2025. They include net property, private pensions, net financial wealth and physical wealth. The survey wave’s accredited-statistics status has been suspended while ONS reviews quality. Figures are already several years old and exclude Northern Ireland.
Privacy: Figures are stored only in this browser under suite-networth so you can return later. Nothing is sent to a server when you calculate.
Please email all suggestions for improvements and any bug reports to: networthcalc@personalfinances.me, thank you.