Skip to main content
Compass
Sign inCreate account

Free UK net worth calculator

Count the whole household. Not just the easy accounts.

Net worth is what you own minus what you owe. This quick calculator includes the pension, property and debt that a bank- or broker-led view can leave outside the frame.

No sign-in. No account connection. Entries stay in this browser and are not saved.

Build your snapshot

Use current balances and realistic sale values. Leave anything you do not know blank.

What you own

Current accounts, savings and cash held elsewhere.

ISAs, GIAs, funds, shares and crypto at today’s value.

Pension pots and SIPPs with a current value, not future income.

A realistic current value for property and items you would include.

What you owe

The outstanding balance, not the original amount borrowed.

Loans, cards, car finance and other consumer credit.

Any other amount you would need to repay.

Your result

0 of 7 amounts entered

Total assets
£0
Total liabilities
£0
Net worth
£0

Your entries stay in this browser and are not sent to Compass. This is a point-in-time estimate, not financial advice.

Keep a fuller picture in Compass

What belongs in the number

Use today’s reasonable value, then record how you know.

Cash and savings

Current accounts, savings, Premium Bonds and cash you could actually access. Avoid counting the same cash again inside an investment account.

Investments

The current value of ISA, GIA, shares, funds, bonds and supported alternatives—not the amount originally contributed.

Defined-contribution pensions

Use the latest pot value for workplace pensions, SIPPs and old DC schemes. Keep defined-benefit income promises separate rather than inventing a pot value.

Property and other assets

Use a defensible current estimate for property and material assets. An optimistic asking price does not make the household more resilient.

Mortgage and secured debt

Enter the outstanding balance, not the original loan. Property value without its mortgage gives a flattering but incomplete answer.

Loans, cards and other liabilities

Include balances still owed. Future interest is normally a cash-flow issue; today’s outstanding principal belongs on the balance sheet.

A number with provenance

Precision is not the same as completeness.

£412,843 looks authoritative. It is not very useful if a pension is missing, the property estimate is two years old or a mortgage balance was quietly omitted. For every material figure, keep four things beside it:

  • Source: statement, provider price, estimate or your own entry.
  • As-of date: live today, month-end or “last checked in March”.
  • Owner: yours, your partner’s or genuinely joint.
  • Confidence: exact balance, good estimate or deliberate placeholder.

The one-hour household audit

  1. 1List institutions, employers, wallets, property and debts before opening any balances.
  2. 2Mark what is missing or stale. An unknown is more honest than a made-up zero.
  3. 3Capture one current value and date for each item; avoid chasing daily precision on slow-moving balances.
  4. 4Check both sides of every asset: property and mortgage, investments and margin debt, cash and cards.
  5. 5Choose a sensible refresh rhythm—daily for live holdings, monthly or quarterly for manual balances.

Missing an old workplace pension? The government’s Pension Tracing Service can help find scheme contact details. It does not tell you whether a pot exists or what it is worth.

Keep the number useful

A spreadsheet can total it. Compass keeps the context around it.

Track household ownership, goals and change over time—then get a briefing that explains the movement rather than leaving you to reconcile it.

Create a Compass beta accountRead the complete guide