UK Net Worth Calculator
Add your assets and debts the way they actually sit — including multiple pensions, a DB scheme, ISAs and property — and see your net worth plus how it compares with UK households in your age band.
Your age
Assets
Defined contribution pensions
Add a row per pot — workplace, SIPP, frozen schemes from previous employers. Most people have more than one.
Defined benefit pension
Optional. If you have a DB scheme, enter the accrued annual pension and a capital-value multiplier (20× is a common rough estimate; your scheme’s actual transfer value can vary 15–30×).
Property
Other
Liabilities
How this calculator works
Net worth is everything you own minus everything you owe. The sum is mechanical — the judgement calls are what to include and how to value it. This calculator handles them as follows:
- Multiple DC pensions add together. Most UK earners with more than one job have more than one workplace pension; treating them as a single line item is the largest single source of bad net-worth figures we see.
- Defined benefit pension is approximated as annual accrued pension × multiplier. The default 20× is a mid-range conservative estimate. For anything that matters, ask your scheme for a current CETV.
- Property is the estimated current market value — what a similar property near you has just sold for. Don’t use the purchase price.
- Student loan is excluded by default because UK plans behave like a graduate tax. Toggle on if you prefer the more conservative view.
Common questions
What counts as net worth?
Everything you own minus everything you owe. It’s a snapshot — not a measure of income or financial security on its own — but a useful baseline that compounds with every decision.
Should I include my pension?
Yes. DC pensions are real money you’ll eventually be able to spend, even if access is restricted until 55 (rising to 57 in 2028). DB pensions are trickier — convention is to value them as ~20× the annual accrued pension.
Should I include my student loan?
UK convention often excludes it. UK student loans are income-contingent — repayments are a fixed slice of earnings above a threshold, and any remaining balance is wiped after 30–40 years depending on plan. That makes the loan behave more like a tax than a debt. We default to excluding; toggle on if you prefer the more conservative view.
Where does the UK average wealth data come from?
The UK Social Mobility Commission’s State of the Nation publication (Level of wealth, published 12 September 2023), drawing on the ONS Wealth and Assets Survey 2016–2020 combined for England, Scotland and Wales. Figures are mean total wealth — property + pension + physical + financial, less liabilities. Source linked under your result. Mean is slightly upward-biased by the ultra-wealthy in wealth data, so a typical household sitting at the mean is comfortably above the median.
Do my figures leave my browser?
No. Every calculation runs locally in your browser. Nothing is sent to a server, nothing is logged, nothing is stored on disk. Close the tab and the figures are gone. The full Privacy Policy covers the product’s wider data handling.
A net worth that updates itself
This calculator is a snapshot. The real value is watching your net worth move every month — mortgage shrinking, pension compounding, ISAs growing — without typing it all in again. That’s what No More Winging It does in the background.
Free tier is genuinely free, forever, manual entry, no card required. Pro at £15/month or £150/year adds AI document upload, the Personal Intelligence chat, the daily intelligence feed and live asset pricing.
Tool built and maintained by Nick Walsh, founder of No More Winging It. Last reviewed 16 June 2026. Spot a wrong figure? Email nick@nomorewingingit.ai.
← Back to home · Read: average UK net worth by age · Total Compensation Calculator