UK net worth calculator
What are you worth?
Everything you own, less everything you owe. The figure moves as you type, nothing is sent anywhere, and you do not need an account. Leave blank anything that does not apply.
Your position
10 October 2026
Type in whatever you know and your position fills in as you go. It stays in the browser, and you can skip any line.
How this treats British money
Your student loan is not in the total
Most calculators put it in with the credit cards. A student loan is repaid only on income above a threshold, is collected through payroll, and is written off after a fixed period whether or not anything is left. Someone earning below the threshold repays nothing and still has the balance wiped. That behaves like a graduate tax, and counting it as a debt makes millions of people look poorer than they are. It is shown separately here, and there is a tick box to put it back if you disagree.
The thresholds are Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, each at 9%; Postgraduate Loan £21,000 at 6%; GOV.UK, rates and thresholds for employers, 2026 to 2027 tax year.
A final salary pension goes in at transfer value
There is no pot, so there is no obvious number. We use the cash equivalent transfer value your scheme will quote, because that is the figure schemes publish. It understates what the promise is worth to most members: it is what a scheme would pay to be rid of the obligation. Treat it as the bottom of a range.
Where the comparison comes from
If you enter your age, the calculator shows the published median for your age band. That comes from the Office for National Statistics, Wealth and Assets Survey, April 2020 to March 2022, published 24 January 2025. These are household figures by age of the household head, not individual figures, and ONS total wealth includes physical wealth such as vehicles and contents. They are stated in April 2020 to March 2022 prices, so they understate today's cash amounts. Treat it as a rough guide to where you sit, not a target.
Questions
What counts, what does not, and why the averages disagree
Does my pension count towards my net worth?
Yes, and leaving pensions out is how most people end up far too low. On the ONS breakdown of household wealth: Net property 40%, private pensions 35%, net financial 14%, physical 10%. Pensions outweigh every ISA, savings account and investment combined.
A defined contribution pot has a number you can look up today. A defined benefit scheme does not, so any figure you enter is an estimate. Multiplying the promised annual income by twenty is a rough rule of thumb some people use, but the fair value depends on your age, the scheme rules and what happens for a spouse. If you use a figure like that, treat it as your own estimate.
A pension is wealth you cannot spend yet. It belongs in the total even though it does not help with this month's bills, which is why this calculator also shows net worth with the house and pension stripped out.
Should I use my house value or my equity?
Equity is what the property is worth minus the mortgage still outstanding. Putting in the full value without subtracting the loan double-counts the asset and skips the liability. For most households the house is the largest number on both sides of the statement.
Use a sale price you would accept, not the highest figure an agent has ever mentioned. Net worth is a snapshot for your own planning, not a league table.
Is my student loan a debt?
Most calculators list it next to a credit card. On UK rules that comparison is misleading, and it is worth seeing why before you decide how to treat it here.
A UK student loan behaves almost nothing like ordinary borrowing. Repayment is Plan 1 £26,900, Plan 2 £29,385, Plan 4 £33,795, Plan 5 £25,000, each at 9%; Postgraduate Loan £21,000 at 6%. Nobody can demand the balance in full, it does not follow you if income falls, other lenders ignore it in affordability checks, and the balance is written off at the end whether or not you have cleared it. It works more like a graduate tax with an end date than like money you owe in the usual sense.
This calculator lets you include the loan and count it in the total, or include it and leave it out. Both are defensible. What is harder to defend is treating it like a personal loan because most sites do.
Why does every site give a different average net worth for my age?
Because they are rarely measuring the same thing, and they rarely say which choices they made. Four decisions move the number a long way: household or individual, pensions in or out, mean or median, and which survey year.
The mean sits well above the median. A small number of very wealthy households pull the average up until it no longer resembles a typical life. The median is the household in the middle of the distribution, and that is usually the fairer comparison.
Our figures are median household total wealth in great britain, by age of household head. taken from the dataset behind the Office for National Statistics, Wealth and Assets Survey, read on 2026-09-14. If another site disagrees, check those four choices before assuming either side is wrong.
Is my net worth figure stored or sent anywhere?
No. The calculation runs in your browser and nothing is sent to us. There is no share link for this calculator, unlike the projection tool. Net worth is the most sensitive figure on the site, and a shareable URL is an obvious way for it to leak.
You can opt in to email yourself the statement. You type the address, and our privacy page describes what happens.
The Swealth letter
Keep a record of this
The UK Wealth Blueprint includes the net worth sheet this calculator is built on, a wealth-stage checklist and an annual review template. Sent once, with the weekly letter after that.