Net Worth Calculator
Calculate your total net worth from assets and liabilities, then review liquid net worth and debt ratios to understand the quality of your financial position.
Assets and liabilities
This calculator auto-updates when values change.
Assets
Liabilities
This calculator is for general information only and is not financial advice.
Results
Results update automatically.
Net worth
£110,500.00
Financial position
About This Net Worth Calculator
This net worth calculator adds up what you own and subtracts what you owe. It gives you a simple personal balance sheet, which is one of the clearest ways to track long-term financial progress.
Enter your assets such as cash, investments, property, and other valuables. Then enter debts such as mortgage balances, loans, credit cards, and other liabilities. The calculator separates total net worth from liquid net worth so you can see both your overall position and the portion that is easier to access.
Your net worth is only a snapshot, so the trend matters more than a single number. Rechecking it monthly or quarterly can show whether debt is falling, savings are growing, and property or investment exposure is becoming too concentrated.
How to Use This Calculator
- 1
Enter your assets
Add cash, investments, property value, and other assets.
- 2
Enter your liabilities
Add mortgage balances, loans, credit cards, and other debts.
- 3
Review net worth
The calculator subtracts liabilities from assets and also shows liquid net worth, debt share of assets, and the asset-to-debt ratio.
- 4
Use it over time
Recalculate regularly to track whether your financial position is improving.
Frequently Asked Questions
What is net worth?v
Net worth is total assets minus total liabilities. Assets are things you own that have financial value, such as cash, investments, property, and valuables. Liabilities are debts you owe, such as a mortgage, loans, credit card balances, and other obligations.
Should I include my home?v
Yes, if you want a full personal balance sheet. Include the estimated market value of the home as an asset and the remaining mortgage balance as a liability. If you include one without the other, the result will be misleading.
Does income count as net worth?v
No. Income is money earned over time, while net worth is a snapshot of what you own minus what you owe at a specific date. Income can help you build net worth, but it is not itself counted until it becomes cash, investments, property equity, or another asset.
Can net worth be negative?v
Yes. If debts are greater than assets, net worth is negative. This is common early in adult life, after taking student loans, buying a home with a small deposit, or building a business. The important trend is whether your net worth improves over time.
What is liquid net worth?v
Liquid net worth focuses on assets that are easier to access, such as cash and investments, minus consumer debts. It excludes property equity because selling a home can take time and may not be practical in an emergency.