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Net worth calculator
Net worth is the single number that sums up your finances: everything you own minus everything you owe.
Net worth is everything you own minus everything you owe.
Add up your cash, savings, investments, pensions and the market value of property and other big assets, subtract your mortgage and any loans or card balances, and what is left is your net worth. This tool does that sum and also reports your total assets, your total liabilities and a debt-to-asset ratio so you can see how much of what you hold is still financed by borrowing. The figure can be positive or negative, and a negative result early in adult life is common, since student loans and a fresh mortgage often outweigh savings before they are paid down. What matters is the direction of travel: net worth that climbs year on year, as debts shrink and savings and equity grow, is the sign of a balance sheet moving the right way. Income tells you what is flowing in each month; net worth tells you what has stuck. The two can disagree sharply, which is why a high earner who spends everything can be worth less than a careful saver on a modest wage.
How it works
- Enter your cash and easy-access savings, then your investments and pension pots.
- Add the current market value of property and any other valuable assets you own.
- Enter what you still owe on the mortgage, plus loans, car finance and card balances.
- The tool totals the assets, totals the debts, and subtracts one from the other.
- It also divides debts by assets to show the debt-to-asset ratio as a percentage.
net worth = total assets - total liabilities; debt-to-asset ratio = total liabilities / total assets
The calculator adds every asset you enter into one total and every debt into another, then subtracts the debts from the assets to give net worth. A positive result means you own more than you owe; a negative one means the reverse. The debt-to-asset ratio divides the debt total by the asset total and shows it as a percentage, a quick read on how much of your balance sheet is borrowed: a small ratio means little of what you hold is owed, while a ratio near or above 100 percent means debts rival or exceed assets.
- assets
- the total value of everything you own
- liabilities
- the total of everything you still owe
- net worth
- assets minus liabilities
- ratio
- liabilities divided by assets, as a percentage
How a typical balance sheet shifts over time
| Early career, new mortgage | Often negative | student debt plus a fresh mortgage outweigh savings |
| Mortgage half repaid | Positive, rising | equity and pensions now outweigh shrinking debt |
| Mortgage cleared | Debt-to-asset near 0% | almost all of the balance sheet is owned outright |
| High income, high spending | Can stay low | net worth tracks what you keep, not what you earn |
Worked example
You hold 15,000 in cash, 40,000 in investments and pensions, a home worth 280,000 and 5,000 of other assets, against a 200,000 mortgage and 8,000 of other debts: your assets total 340,000 and your liabilities 208,000, so your net worth is 132,000. The debt-to-asset ratio is 61 percent, meaning roughly three fifths of what you hold is still borrowed, almost all of it the mortgage. Overpay the mortgage or let the investments grow and the ratio falls while net worth rises.
Key facts
- Net worth measures accumulated wealth, while income measures monthly flow; the two can move in opposite directions.
- A mortgage usually dominates the liability side and falls steadily, lifting net worth as it is repaid.
- Investment and property values swing, so net worth is best read as an annual trend rather than a daily number.
- A negative net worth is normal early on and is not a problem as long as it is climbing.
Tips
- Record your net worth on the same date each year so the comparison is like for like.
- Value assets you would struggle to sell conservatively, and leave out sentimental items with no real resale market.
- Track the cash-and-savings line separately, since that is the part you could actually spend at short notice.
- Focus on the trend and the debt-to-asset ratio rather than the headline figure, which property prices can flatter.
Frequently asked questions
What counts as an asset?+
Anything you own that has resale value: cash, savings, investments, pension pots, the market value of property, and big items such as a paid-for car or valuables. Use realistic current values, not what you paid, and be cautious with items that are hard to sell.
What counts as a liability?+
Everything you owe: the outstanding mortgage, personal and car loans, credit card and overdraft balances, and any other debt. Use the amount left to repay today, not the original sum borrowed.
Can net worth be negative?+
Yes, and it often is in early adulthood when student debt and a new mortgage outweigh savings. A negative figure is not a crisis on its own; the aim is to see it climb toward and past zero as debts fall and savings build.
Should I include my pension?+
Include the current value of pension pots you can see a balance for, such as a workplace or personal pension. A state pension has no pot value, so leave it out; it is income in retirement rather than an asset you hold now.
How often should I check it?+
Once or twice a year is plenty. Property and investment values move daily, so checking too often just adds noise; an annual snapshot on the same date each year shows the real trend.
Is net worth the same as how much I can spend?+
No. Much of it can be tied up in a home or a locked pension you cannot easily access, so net worth is a measure of wealth, not of ready cash. The cash and savings line is closer to what you could spend at short notice.
Things to watch
- Overstating asset values, especially a home or a car, flatters the figure and hides how much is really owed.
- Net worth ignores liquidity: a large number tied up in property or a locked pension is not money you can spend now.
- This is a personal snapshot, not financial advice; for big decisions check the underlying values against statements.
Last updated: 2026
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with an official source before making decisions.
Built and maintained by Vikas Dulgunde. Editorial standards.