Orbit
HomeDealsBlog
Resources
ToolsCancel HubSubscription DealsCompare
Get Started →

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.

What you ownAssets
£
£
£
£
£
£
What you oweLiabilities
£
£
£
£
£
Add it to see how you compare against a rough median for your age.
Your net worth
£0
Assets outweigh what you owe.
Total assets£0
Total liabilities−£0
Assets vs liabilities
Assets
Liabilities
A snapshot only, a guide, not financial advice.

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.

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 an indicative median for your age band and tells you whether you’re above, around or below the typical range. The rough medians it uses are: under 35 near 15,000; 35–44 near 75,000; 45–54 near 140,000; 55–64 near 210,000; and 65+ near 280,000, read loosely in whichever currency you pick.

Indicative benchmark only, these are rough medians, not precise figures, and they aren’t a target or a judgement on how you’re doing. Use them as a loose reference point, nothing more.

How to use this calculator

  1. Pick your currency from the switcher at the top.
  2. Enter the current value of each asset you own, leave anything that doesn't apply blank.
  3. Enter what you owe across each liability: mortgage, loans, cards, student loan and any other debts.
  4. Read your net worth, plus totals for assets and liabilities and a breakdown of what your assets are made of.
  5. 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's a good net worth by 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 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.

Related tools

Compound Interest Calculator
See how your savings and investments grow over time.
How Long Will My Money Last?
Work out how long your savings will cover your spending.
50/30/20 Budget Calculator
Split your income into needs, wants and savings.

The fastest way to grow net worth? Stop paying for what you’ve forgotten.

Orbit finds every subscription draining your account and puts them in one place, so more of your money stays on the asset side of the ledger.

Try Orbit free