Free tool

Net Worth Calculator

What you own minus what you owe — the single most honest picture of where your money stands today.

You own

Cash & savings

Investments (ISA, GIA)

Pensions

Property value

Other assets (car, valuables…)

You owe

Mortgage balance

Loans (car, personal, student…)

Credit cards & overdrafts

Other debts

Your net worth

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Assets

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Liabilities

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Track this once a month and the trend becomes the motivation — thefree budget planner gives it a home.

How to count it

Use today's realistic values, not purchase prices — what your home would sell for, your pension's current value, what the car is actually worth. Don't include income; net worth is a snapshot of the stock, not the flow.

A negative number is more common than anyone admits (hello, early-career mortgages and student loans) and it is not a failure — it's a starting line. The number matters far less than its direction over the months.

This calculator is a general educational tool. It uses simplified assumptions, isn't personalised financial advice, and shouldn't be the only basis for a money decision — see our Disclaimer. For decisions that matter, consider speaking to a suitably qualified, regulated adviser.

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