User guide
Net Worth Calculator
Calculate assets, liabilities and track your net worth over time.
What this tool does
Adds up what you own and what you owe, then calculates net worth and optional context such as wealth percentile.
Understanding your net worth
Tap a number to explore each part of the screen.
Click a marker on the screenshot to learn what each part does.
Assets
Everything you own with material value — property, cash, investments and pensions.
Use realistic valuations; estimates are fine until you have formal figures.
Understanding inputs
| Assets | Property, savings, investments, pensions, vehicles, etc. |
|---|---|
| Liabilities | Mortgages, loans and credit balances. |
| Valuations | Use realistic current values, even if estimated. |
Understanding results
Net worth feeds your Financial Health Snapshot. Track liquid vs illiquid assets where shown to see what is accessible quickly.
Worked example
Assets: £550,000
Liabilities: £250,000
Net worth: £300,000
Frequently asked questions
What should I include as assets?
Include major items: home equity, savings, investments and pensions. Skip small household goods unless material.
Should I include my home?
Include it for a full picture, or track a version without property if you prefer.
Can I use estimated values?
Yes. Update when you have formal valuations.
How often should I update?
Every few months or after buying property, paying off debt or large investments.
What is wealth percentile?
A rough comparison for context — not a ranking you need to optimise.
Download MoneyMap Pulse
Try this tool on Android and build your financial picture step by step.
Get it on Google Play