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A useful starting point

Your net worth, in the UK.
Without connecting a thing.

Separate your ISAs, workplace pension pots, SIPPs, other investments, property, and debt. Start in GBP and keep one valuation date. The calculation stays in this browser.

Start calculating

Use current balances, once each.

Use current account and defined-contribution pension pot values. A SIPP is a pension, not a separate asset to add again inside a workplace total. This simple method excludes defined-benefit pension income and State Pension forecasts; it does not value those future payments.

ISAs are account wrappers: do not also count the investments inside them. Use gross property value and a separate mortgage balance. This calculator subtracts the full student-loan statement balance. UK income-based repayments are a different measure; the result is not a repayment forecast or advice to repay early.

Read the United Kingdom valuation guide and source limits →

Currency

One currency for all balances. Amounts are not converted.

GBP — British Pound

162 matching options

Blank fields are omitted. Enter 0 for a confirmed zero balance. Use up to 3 decimal places. Plain digits and comma groups such as 1,00,000 or 100,000 are accepted.

What you own Assets

Current and savings account balances outside ISAs and investment accounts below.

Current cash ISA balances, not the annual allowance. Count each account once.

Current account value, including cash. Do not add the underlying funds or shares again.

Current pension pot values. Exclude SIPPs entered below, defined-benefit income, and State Pension forecasts.

Current defined-contribution pot values outside the workplace totals above. Count each pot once.

Current account or holding values. Exclude investments already counted inside an ISA or pension.

Your ownership share of current value before the mortgage. Enter the mortgage separately.

Vehicles, bonds, business & other assets

Optional. Count each asset in one field or named row only. Collapsing this section keeps entered values in the total.

Your ownership share of current resale value. Enter vehicle debt separately.

Current value of bonds not already included in an investment account total.

A supportable current estimate of your ownership interest. Do not also count its underlying assets.

Assets not counted in another field or named row. Use your ownership share and the selected currency.

Named asset rows

Keep up to 20 separate holdings. These use the Other Asset journal category. Leave a new row entirely blank to omit it.

What you owe Liabilities

Your share of the outstanding mortgage balance, not the monthly payment.

Outstanding statement balance. This balance-sheet method differs from income-based repayments; see the UK guide.

The amount owed on the valuation date.

Overdrafts, vehicle finance, personal loans, and other debt not entered above.

Your position, in one currency

Assets minus liabilities.

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Enter at least one balance to see your position.

Total assets
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Total liabilities
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A negative result means the debts you entered exceed the assets you entered. It is a financial position, not a score.

Expand the optional asset section for vehicles, bonds, business interests, and named holdings. Collapsed fields still count toward the total. Use one currency and count each holding only once.

Review the values before saving. This adds new holdings; it does not update existing ones. The journal records them in the current month.

How to calculate net worth

Add the current value of the assets you own, then subtract outstanding debt. Use one valuation date and one currency. For shared property, include your ownership share and your share of the loan separately.

The calculator accepts up to 1,000,000,000,000 per field. Totals retain up to three decimal places; the displayed currency may round them. It does not estimate tax, investment returns, or spending capacity.

For example, assets of 500,000 and liabilities of 200,000 give net worth of 300,000. Avoid counting both an account total and the investments inside it.

Read the worked net worth guide →

What happens to the numbers?

Entered values are not uploaded. Continuing passes a local draft to a review screen. Nothing is added to the journal until you confirm. The draft can remain in this tab’s navigation history; close the tab when you finish on a shared device.

Prefer a spreadsheet? Download the worksheet. Read Data & privacy for browser storage and backup limits.

A few calculation questions

What is the formula for net worth?

Net worth = total assets − total liabilities. Assets are things you own with financial value. Liabilities are amounts you owe. Use current values for the same date and currency.

Check what belongs in each total.

Should I include my home and mortgage?

For a broad personal balance sheet, include your ownership share of the home’s current estimated value. Include your share of the remaining mortgage separately as debt. Do not enter home equity and then subtract the mortgage again.

Should retirement accounts be included?

Current retirement account balances can count toward total net worth, even when access is restricted. Do not add projected future contributions or a promised future income as a current account balance. Liquid net worth uses a narrower asset set.

How often should I calculate net worth?

A monthly or quarterly checkpoint is a useful starting point for a long-term record. Choose a repeatable interval that helps you understand changes without constant monitoring. Compare recording intervals.

Is the calculator private?

Calculations run locally. Values are not sent to an analytics service or application server. They are not saved to the journal unless you continue and confirm. Clear the values or close the tab after use on a shared device. Hosting requests still reach Cloudflare.