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Free · 2025 · UK

Net Worth & Financial Health Calculator 2025

Assets minus liabilitiesEmergency fund checkSavings rateDebt-to-income ratio

Calculate your net worth by adding up everything you own minus everything you owe, then check four key financial health indicators: emergency fund coverage, savings rate, debt-to-income ratio, and housing cost burden.

Net Worth Calculator
2025
Assets
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Liabilities
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Monthly Cash Flow
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What is net worth and why does it matter?

Net worth is simply everything you own minus everything you owe. It’s the single most comprehensive snapshot of your financial position, capturing both the stock of wealth you’ve accumulated and the debts offsetting it. Tracking it annually is one of the most valuable financial habits you can build.

Most people in their 30s and 40s have a positive net worth largely because of property equity — their home value exceeds their remaining mortgage. Stripping out property gives a clearer picture of liquid net worth and financial resilience.

Frequently asked questions

Should I include my pension in my net worth?
Yes, but with caveats. Your pension pot is a real asset with real value — but it’s not accessible until you’re at least 57 (rising from 55 to 57 in 2028). Many financial planners split net worth into “liquid net worth” (assets accessible now) and “total net worth” (including pension and property equity). For retirement planning purposes, including the pension is essential. For short-term financial planning, focus on liquid assets. Defined benefit pensions are harder to value — a rough approach is to multiply the annual pension entitlement by 20–25 as a pot equivalent.
What is a good savings rate?
Most financial planners suggest saving at least 15–20% of gross income for retirement, but this includes pension contributions (employee + employer). If you’re starting late or have ambitious goals, 25%+ is recommended. The “50/30/20” rule suggests 50% on needs, 30% on wants, 20% on savings and debt repayment — but this is a starting point, not a prescription. In high cost-of-living areas like London, hitting 20% savings while covering essentials requires a higher income or significant trade-offs.

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