Net Worth Calculator
ASSETS
LIABILITIES
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the single most important measure of financial health — more meaningful than income alone, as two people with the same salary can have very different net worths depending on their spending and saving habits.
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Tip: Pension wealth is often the most underappreciated component of net worth. A defined benefit pension promising £20,000/year in retirement has a capital value of approximately £400,000–£500,000.
- 1Net worth = Total assets − Total liabilities
- 2Assets: property, savings, investments, pension, car, valuables
- 3Liabilities: mortgage, personal loans, credit card debt, student loan
- 4Track net worth monthly or quarterly to monitor financial progress
Property £320K, savings £15K, pension £45K, car £8K minus mortgage £200K, car loan £5K=Net worth: £183,000(320+15+45+8) − (200+5) = £183,000
| Age Group | Median Net Worth | Main Component |
|---|---|---|
| Under 35 | £20,000 | Mostly savings, small pension |
| 35–44 | £82,000 | Growing property equity |
| 45–54 | £195,000 | Significant pension and property |
| 55–64 | £320,000 | Near-peak wealth accumulation |
| 65+ | £300,000 | Drawdown phase beginning |
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