Wealth calculator

Net Worth Calculator

Add up what you own, subtract what you owe, and see your net worth in one number. Enter your age to see how it compares against a rough median for your age band. Free, no signup.

Free, no signupAny currencyBenchmarks from national wealth surveys

What you own and owe

Currency

Assets, what you own

Cash & savings

Investments (shares/funds)

Property

Pension / super / retirement

Vehicles

Other assets

Liabilities, what you owe

Mortgage

Loans

Credit cards

Student loan

Other debts

Your age (optional)

Add it to see how you compare against a rough median for your age.

yrs

Your net worth

£0

Assets outweigh what you owe.Positive

Total assets

£0

Total liabilities

−£0

Assets vs liabilities

Assets

Liabilities

A snapshot only, a guide, not financial advice.

Simon Chadwick

Founder, Orbit Money

Method: assets minus liabilities, age benchmarks from national wealth surveysUpdated: 13 July 2026Sources: ONS, Fed SCF, ABS

What net worth is

Net worth is one of the simplest numbers in personal finance: everything you own minus everything you owe. Total up your assets, cash, investments, property, pension, vehicles, then subtract your liabilities, which are your debts. What’s left is your net worth. It’s a snapshot, not a score: it captures where you stand today, and it moves every time you save, spend, invest or pay down debt.

A positive net worth means your assets outweigh your debts. A negative one is common early on, a fresh mortgage or student loan can outweigh what you’ve built so far, and it isn’t a failure. The useful thing is the direction of travel over months and years, not any single reading.

How to calculate your net worth

The formula is simple: net worth = total assets minus total liabilities. Add up everything you own (property, savings, pensions, investments, vehicles), add up everything you owe (mortgage, loans, credit cards, student loan), and take the second total off the first. The figure left over is your net worth, and the calculator above does the arithmetic once you enter your figures.

What to include as assets and liabilities

Assets are anything you own with real, sellable value: cash and savings, investments like shares and funds, the current market value of property, the balance of your pension or superannuation, and vehicles. Use realistic present-day values rather than what you paid or hope to get.

Liabilities are what you owe: your outstanding mortgage, personal and car loans, credit card balances, student loan, and any other debts. Include your home’s full value as an asset and the mortgage as a liability, so only your equity feeds into the total. The calculator above lets you enter each category and does the arithmetic for you, in your chosen currency.

What’s a good net worth by age?

This is the question everyone asks, and the honest answer is: it depends. Income, cost of living, where you live, whether you own property and how far you are from retirement all pull the “normal” number around. As a very rough guide, net worth tends to rise with age, lower in your 20s and early 30s when student loans and a new mortgage weigh heaviest, then climbing through your 40s and 50s as debts shrink and pensions grow.

If you enter your age, the calculator compares your figure against the real median net worthfor your age band, and tells you whether you’re above, around or below the typical range. The benchmark switches with your currency, using each country’s national wealth survey. For the UK, the ONS Wealth and Assets Survey puts median household net wealth at around £77,000 for households headed by a 25 to 34 year-old, £198,000 at 35 to 44, £367,000 at 45 to 54, £556,000 at 55 to 64, and £468,000 at 65 and over (Great Britain, 2018 to 2020, including private pensions).

Change the currency and the source changes with it: US figures come from the Federal Reserve Survey of Consumer Finances (2022), Australia from the ABS Survey of Income and Housing (2019 to 2020), Canada from the Statistics Canada Survey of Financial Security (2023), the euro area from the ECB Household Finance and Consumption Survey (2021), and New Zealand from Stats NZ (year to June 2024).

These are real survey medians, but read them as a loose reference, not a target or a verdict. Wealth surveys run only every few years so the figures lag, they are household-level (individual for New Zealand), and the euro-area figure excludes state and employer pensions. Anything within roughly half to one and a half times the median is broadly typical.

Average net worth in the UK by age

For a UK reference point, the ONS Wealth and Assets Survey reports median household net wealth by the age of the household head (Great Britain, 2018 to 2020, private pensions included):

25 to 34: around £77,000
35 to 44: around £198,000
45 to 54: around £367,000
55 to 64: around £556,000
65 and over: around £468,000

These are household figures, not individual, and they lag because the survey runs only every few years, so read them as a rough reference rather than a target. Median is the midpoint, half of households sit above and half below, which is a fairer gauge than an average that a few very wealthy households would drag upwards.

How to use this calculator

Pick your currency from the switcher at the top.
Enter the current value of each asset you own, leave anything that doesn't apply blank.
Enter what you owe across each liability: mortgage, loans, cards, student loan and any other debts.
Read your net worth, plus totals for assets and liabilities and a breakdown of what your assets are made of.
Optionally add your age to see how you compare against a rough, indicative median for your age band.

Frequently asked questions

What is net worth?

Net worth is what you own minus what you owe. You add up the value of your assets, cash, savings, investments, property, pensions, vehicles and anything else of value, then subtract your liabilities, which are your debts like a mortgage, loans, credit cards and student loan. The number that's left is your net worth. It can be positive or negative, and it's a snapshot of one moment in time.

What counts as an asset?

An asset is anything you own that has real, sellable value. The usual ones are cash and savings, investments such as shares and funds, the market value of any property, the current balance of your pension or superannuation, and vehicles. You can also include other valuables like a business stake or collectibles. Use realistic current values, not what you paid or hope to get.

What is a good net worth for my age?

There's no single right number, it depends on income, cost of living, where you live and your goals. As a very rough, indicative guide only, typical medians tend to rise with age: lower in your 20s and early 30s when debts like student loans and a new mortgage weigh heaviest, then climbing through your 40s, 50s and into retirement as debts fall and pensions grow. Treat any age benchmark as a loose reference, not a target or a verdict on how you're doing.

Should I include my home and pension?

Yes, a full net worth picture includes the market value of your home as an asset and the outstanding mortgage as a liability, so only your equity adds to net worth. Include your pension or superannuation balance too, since it's money that belongs to you even if you can't access it yet. Some people also track a 'liquid' net worth that excludes property and pensions to see what they could reach today.

How do I calculate my net worth?

Add up everything you own (property, savings, pensions, investments), then subtract everything you owe (mortgage, loans, credit cards). The figure left over is your net worth. Enter your figures above and the calculator works it out for you, in your chosen currency.

How do I increase my net worth?

Two levers: grow your assets and shrink your liabilities. Save and invest regularly so the asset side compounds, pay down high-interest debt like credit cards first, and avoid new borrowing that doesn't buy an appreciating asset. Cutting recurring costs you've forgotten about, old subscriptions, duplicate services, frees up money that can go straight into savings, which lifts net worth over time.