Net worth calculator
See where you actually stand once everything you own and owe is added up. Adding it up honestly is uncomfortable for about a minute. Watching it move is what makes it useful.
Updated for the 2026/27 tax year · reviewed
Your net worth
Assets
Pensions are real wealth but usually can't be accessed until age 55 today, rising to 57 from April 2028 - worth keeping that access gap in mind alongside the number below.
Debts
Your net worth
£228,000
£455,000 in assets minus £227,000 in debts
Total assets
£455,000
Total debts
£227,000
Debt-to-asset ratio
49.9%
Where it sits
How your assets and debts break down by category.
Asset mix
Debts
That's today. The interesting question is the trend.
One snapshot can't tell you whether the number is rising fast enough. Quidworth projects it forward from your mortgage, pensions and savings, so you can watch the line rather than the dot.
Create your free accountHow this calculator works
We add up everything you own that has resale or cash value - home, savings, investments, pension, and anything else - then subtract everything you owe, including your mortgage, loans and card balances. What is left is your net worth: a single snapshot of where you actually stand today.
The charts split each side into its categories, so you can see at a glance whether your assets lean heavily on one thing - like your home - and which debts make up the biggest share of what you owe.
A negative net worth simply means debts currently outweigh assets - this calculator shows that honestly rather than floor it at zero. Pensions are real wealth but usually can't be accessed until age 55 today, rising to 57 from April 2028, so it is worth looking at your position with and without illiquid assets like your home and pension in mind.
Questions people ask
What counts as an asset or a debt?
Assets are things with resale or cash value - savings, investments, property, pensions, vehicles - while debts are anything you owe, including mortgages, loans and credit card balances. Net worth is simply total assets minus total debts.
Should I include my home and pension?
Most people do, since they're genuinely part of what you own, but it's worth looking at your net worth with and without your home - it's illiquid and you still need somewhere to live. Pensions are real wealth but usually can't be accessed until age 55 today, rising to 57 from April 2028, so keep that access gap in mind too.
How often should I track my net worth?
Quarterly or twice a year is usually often enough to see a meaningful trend without obsessing over month-to-month market noise, particularly if a chunk of your assets are invested. What matters most is the direction over time, not any single snapshot.
What's a 'good' net worth for my age?
Honestly, it depends heavily on income, location, family circumstances and how long you've been earning - there's no single healthy number. It's far more useful to track your own trend over time than to compare against a generic benchmark.
Last reviewed against 2026/27 UK rules. Projections are estimates for education, not financial advice. Understanding your projections.
A calculator answers one question at a time.
The planner keeps all of them next to each other, so an overpayment you model today still shows up in the pension picture in twenty years.
- Free to start
- No card needed
- Your figures carry over