Financial Snapshot
Net Worth
Calculator
Median (30-39)
£131,400
Median (55-64)
£496,100
Find out your net worth in seconds. Add up everything you own — savings, investments, property and vehicles — then subtract what you owe, including your mortgage, student loans, car finance and credit card debt. The calculator shows your total net worth, a full asset and liability breakdown, and your debt-to-asset ratio so you can track your financial health over time.
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Your Net Worth
£110,000
Total Assets
£355,000
Total Liabilities
£245,000
Debt-to-Asset Ratio
69.0%
How to calculate your net worth
Your net worth is the single most important number in personal finance. It tells you exactly where you stand by measuring the gap between what you own and what you owe. The formula is straightforward: Net Worth = Total Assets - Total Liabilities.
Start by listing your assets. Include liquid savings in current and savings accounts, investment accounts like ISAs, SIPPs and general investment accounts, the current market value of any property you own, the resale value of your vehicles, and anything else of significant value such as jewellery, collectibles or business interests.
Next, list your liabilities. Your mortgage balance is typically the largest, followed by student loans, car finance, credit card balances and any other debts like personal loans or overdrafts.
The calculator subtracts your total liabilities from your total assets automatically. It also shows your debt-to-asset ratio, which measures how much of your wealth is offset by debt. A lower ratio means stronger financial health.
Average net worth by age in the United Kingdom
The ONS Wealth and Assets Survey provides the most reliable data on UK household wealth. Understanding where you stand relative to your peers can help you set realistic financial goals.
Here are the median total wealth figures by age group from the most recent survey:
| Age Group | Median Total Wealth |
|---|---|
| 16 - 24 | £14,400 |
| 25 - 29 | £46,200 |
| 30 - 39 | £131,400 |
| 40 - 49 | £302,500 |
| 50 - 54 | £420,800 |
| 55 - 64 | £496,100 |
| 65+ | £394,800 |
Source: ONS Wealth and Assets Survey (2020-2022)
These figures include property wealth, pension wealth, financial wealth and physical wealth combined. Property and pension wealth together account for the vast majority of total household wealth in Britain.
Wealth peaks between ages 55 and 64, when mortgage balances are lower and pension pots have had decades to grow. Younger households often have lower net worth due to recent property purchases with high loan-to-value mortgages and earlier-stage pension contributions.
Frequently asked questions
How do I calculate my net worth?
Add up the value of everything you own — savings, investments, property, vehicles and other assets. Then subtract everything you owe — mortgage, student loans, car finance, credit card balances and other debts. The result is your net worth. Use the calculator above to get your figure in seconds.
What is the average net worth in the UK?
According to the ONS Wealth and Assets Survey, the median total household wealth in Great Britain is around £302,500. This includes property, pensions, financial and physical wealth. Wealth varies significantly by age, region and housing tenure.
Should I include my property in my net worth calculation?
Yes, your property's current market value is an asset. However, you must also include your outstanding mortgage as a liability. The difference — your equity — is what contributes to your net worth. Use a recent valuation or check comparable sales on Rightmove or Zoopla to estimate your property value.
What is a good debt-to-asset ratio?
A debt-to-asset ratio below 50% is generally considered healthy, meaning you own more than you owe. Below 30% is excellent. Above 80% signals significant financial risk. The ratio helps you understand how leveraged your finances are regardless of your total net worth.
Is it normal to have a negative net worth?
A negative net worth is common amongst younger adults, particularly those with student loans or who have recently bought a property. It simply means your debts currently exceed your assets. Focus on paying down high-interest debt and building savings — most people see their net worth turn positive over time.
How often should I calculate my net worth?
Tracking your net worth quarterly or twice a year gives you a clear picture of your financial progress without obsessing over short-term market fluctuations. Annual reviews work well for long-term planning. The key is consistency — use the same method each time so you can compare results accurately.