Net Worth Calculator
Add up what you own and what you owe to see your net worth in seconds. Free, private and nothing is saved: it all runs in your browser.
What you own
What you owe
Everything is worked out in your browser. Nothing you type is saved or sent anywhere.
Your net worth
what you own minus what you owe
The Household Money Hub tracks your net worth over time, alongside your budget, bills, savings and investments. For one person or a couple.
See the Household Money HubHow to work out your net worth
Your net worth is simply what you own minus what you owe. List the value of everything you own, such as cash, savings, investments, pensions, your home and vehicles. Then list everything you owe, such as a mortgage, loans, car finance and credit cards. The difference is your net worth.
Why it is worth tracking
A single month tells you where you are. Tracking it over time tells you which way you are heading. Paying down debt and building savings both push your net worth up, even if your income stays the same.
Two useful extra figures
- Net worth without your home and mortgage. Property can make up a large part of net worth, so this shows everything else on its own.
- Cash and savings you can reach quickly. This is money available for emergencies without selling anything.
Track it every month
Our Household Money Hub includes a net worth tracker with a monthly log, alongside your budget, bills, savings and investments, for one person or a couple.
Frequently asked questions
What is net worth?
Net worth is the total value of everything you own, minus everything you owe. It gives a single number that shows your overall financial position.
What should I include in my net worth?
Include cash, savings, investments, pensions, the value of your home and vehicles, and anything else of value. Then subtract your mortgage, loans, car finance, credit card balances, student loan and any other debts.
Is it normal to have a negative net worth?
Yes, it is common, especially early in your career, after studying or soon after buying a home. What matters most is the direction it moves over time.
How often should I check my net worth?
Many people check once a month or once a quarter. Tracking it regularly makes it easier to see progress as debts come down and savings grow.
Does the calculator save my information?
No. Everything is worked out in your web browser and nothing you type is stored or sent anywhere.
Important: This calculator is a planning tool that works with the figures and assumptions you enter. It is general information, not financial advice, and it does not take your personal circumstances into account. Interest, investment growth and inflation are not guaranteed. For free, impartial guidance, visit MoneyHelper.