What you own minus what you owe, to the penny, with every step shown.
Net worth
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Enter what you own and what you owe to see your net worth.
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Enter what your assets are worth today (bank accounts, investments, pensions, your home, vehicles) and the balance still owed on each debt. You get your total assets, total debts and net worth, split into the four parts the Office for National Statistics uses for household wealth: property less mortgages, savings and investments less other debts, pensions, and physical and other assets. Empty fields count as zero, and the calculation runs in your browser.
Use what each thing would sell for today, not what you paid: today's balance for bank accounts, the current value of investments and pension pots, a realistic sale price for your home and the second-hand value of a car. If you own something jointly, count only your share, unless you are working out your household's net worth.
For a mortgage or a loan, the debt is the balance you would have to repay today, shown on your latest statement, not the total of the payments left, which includes future interest. Add today's credit card balances and any overdraft.
The result separates property (less the loans secured on it), savings and investments (less your other debts), pensions, and vehicles, belongings and other assets. The four parts add up to your net worth. Debts as a share of assets compares what you owe with what you own.
Every amount is taken to the nearest penny, with halves rounded up, and the share of debts to one decimal place. Copy the result, export it as a CSV file or save it to Priostack to compare one year with the next.
Total assets = bank accounts and savings + investments + pensions + home + other property + vehicles and belongings + other assets.
Total debts = mortgage + other property loans + personal loans and car finance + credit cards and overdrafts + other debts.
Net worth = total assets − total debts.
Debts as a share of assets = total debts ÷ total assets × 100.
Savings of £12,000, investments of £25,000, pension pots worth £85,000, a home worth £350,000 and a car and belongings worth £8,000 make total assets of £480,000. The mortgage balance is £210,000, car finance £6,500 and a credit card £1,200: total debts of £217,700. Net worth = £480,000 − £217,700 = £262,300. It splits into £140,000 of property less the mortgage, £29,300 of savings and investments less other debts, £85,000 of pensions and £8,000 of other assets. Debts as a share of assets = £217,700 ÷ £480,000 = 45.4%.
Count your home at what it would sell for today and the mortgage at the balance still owed. A £350,000 home with £210,000 left on the mortgage adds £350,000 to your assets and £210,000 to your debts, so £140,000 to your net worth: that is your equity in the home. If you owe more than the home is worth, you are in negative equity, and the calculator says so.
Yes, for the full picture: the ONS counts private pension wealth as one of the four parts of household wealth, with property, financial and physical wealth. Use the current value of each pension pot. A final salary (defined benefit) pension has no pot, so leave it out or use a transfer value if you have one. The State Pension is not counted, as in the ONS figures.
The latest Wealth and Assets Survey results, for April 2020 to March 2022, put median household wealth at £293,700 with pensions and £181,700 without private pension wealth (ONS, published 24 January 2025). These are household figures, and the ONS says they should be read with caution, as the interviews were held by telephone during the pandemic.
Not quite. Inheritance tax is charged at 40% on the part of an estate above the £325,000 threshold, but everything left to a spouse or civil partner is exempt, leaving your home to children or grandchildren can raise the threshold to £500,000, and some gifts and assets follow their own rules. The tax works the same way across England, Scotland, Wales and Northern Ireland. When your net worth is above £325,000, the calculator points this out; it does not work out any tax.
It is money you owe, so enter the balance under other debts. What you repay each year depends on your income, not on the balance, and any balance left is written off after a time that depends on your plan: for example 30 years after the April you were first due to repay on Plan 2, and 40 years on Plan 5. Some people therefore look at their net worth both with and without it.
Once a year, on the same date and with everything valued the same way, is enough to see the trend. Saving to Priostack keeps the result in your account, and any calculation you copy, export or save also stays in this device's history.
This calculator gives general information, not legal, tax, financial or accounting advice. The result is only as good as the values you enter: for inheritance tax or estate planning, HMRC's guidance or a qualified adviser can look at your situation.
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