The method
How it is worked out
Net worth = assets − liabilities; liquid net worth excludes the home and its mortgage
- marker
- 1.5 × income × (age − 25) ÷ 10, a rough age-based yardstick, not a target
Net Worth Calculator
Add up what you own, subtract what you owe, and see how liquid your wealth really is. The result updates as you type so you can compare scenarios quickly.
Keep in mind
What it leaves out
- Pension accessPensions count but are locked until a set age.
- ValuationsUse conservative home and car values.
Use the calculator to compare scenarios rather than as a guaranteed forecast.
About the Net Worth Calculator
Add up everything you own, subtract everything you owe, and see how much of your wealth you could actually reach.
How it works and an example to tryShow less
How to use the result
Assets less liabilities. Liquid net worth removes the home and mortgage. A rough age-and-income marker offers context.
Example to try
£412,000 of assets against £241,500 of debts is £170,500 of net worth, but only £65,500 is liquid once home equity is set aside.
Put it to work
Try it on a real situation
Load an example
What moves the result most
Worked out from your figures above. Tap a row to try it.
Who uses it, and when
Anyone taking stock of their finances or tracking progress year to year.
Mistakes worth avoiding
- Valuing the home optimistically.
- Counting the car at purchase price.
- Forgetting locked pensions are not spendable now.
Questions
What does the Net Worth Calculator do?
Add up what you own, subtract what you owe, and see how liquid your wealth really is.
How should I use the result?
Assets less liabilities. Liquid net worth removes the home and mortgage. A rough age-and-income marker offers context.
Does TechBullion store the information I enter?
The core calculation or transformation runs in your browser. Normal website security and analytics may still record page-level events, but the tool does not need to create a public record from your inputs.
What mistakes do people make with a net worth calculator?
Valuing the home optimistically. Counting the car at purchase price. Forgetting locked pensions are not spendable now.
Is the result guaranteed?
No. Use the result as a practical check or planning aid and verify important decisions with the relevant primary source, provider or professional advice.
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Results are estimates based on the figures entered, for general information only, and not financial, investment, tax or legal advice. See our terms of use.