Free UK Net Worth & Wealth Calculator 2026
Work out your net worth — everything you own minus everything you owe — and see how rich you are compared with other UK households your age, against ONS benchmarks. Enter your assets and liabilities below.
Read the full answer — method, rates and figures
Quick answer: Net worth = total assets − total liabilities. ONS Wealth and Assets Survey (April 2020 to March 2022, published January 2025) median household total wealth by age of head of household: 16-24 = £15,200; 25-34 = £109,800; 35-44 = £209,600; 45-54 = £301,900; 55-64 = £496,500; 65-74 = £502,500; 75+ = £373,100.
The Great Britain median across all households is £293,700. Excluding private pensions the Great Britain median is £181,700.
Total wealth in the survey is made up of net property wealth (40% of the total, the largest component), private pension wealth (35%), net financial wealth (14%) and physical wealth (10%). A wealth calculator and a net worth calculator compute the same thing: everything you own minus everything you owe.
Common asset categories: ISA, SIPP/pension, property equity, brokerage. Common liabilities: mortgage, student loan (Plan 1/2/4/5), credit card debt.
+ Assets
− Liabilities
Your Net Worth
£75,000
Median for 25–34
£109,800
Your Percentile (all UK households)
26th
Total Assets
£100,000
Total Liabilities
£25,000
Debt-to-Asset Ratio
25.0%
Asset Composition
What this means for you
Your net worth is £75,000. The median net worth for the 25–34 age group is £109,800. You need £34,800 more to reach the median. Your debt-to-asset ratio is 25.0%.
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Net worth
£75,000
UK percentile (national)
26th
Assets
£100,000
Debt
£25,000
What could your net worth look like?
Illustration only: 6%/yr growth on your current net worth plus £300/month of new savings. Richify projects this from your actual pension, ISA, property and debts — and keeps it updated as they change.
See my financial future →How rich am I compared to other UK households?
Compare against the ONS median for your age band, not the national figure. Median household total wealth in Great Britain is £293,700 including private pensions and £181,700 excluding them — but that blends every age together, so on its own it tells you very little.
Wealth in Britain is accumulated over a working life, so age is the variable that matters. The median runs from about £15,200 for households headed by a 16-24 year old to about £502,500 for 65-74 — the peak band is roughly 33 times the youngest. Being above the median for your own age band is the test worth applying, and it is the one this calculator makes.
Wealth calculator or net worth calculator?
They are the same calculation, and this tool is both. “Net worth” is the everyday term; “total wealth” is what the Office for National Statistics calls it in the Wealth and Assets Survey. What actually differs between tools is scope. ONS counts four components at household level — net property wealth (£40 in every £100 of household wealth), private pension wealth (£35), net financial wealth (£14) and physical wealth such as cars and contents (£10). Some wealth calculators quietly drop pensions or property, which returns a far smaller number that cannot be compared with the ONS benchmarks above. This one includes all four, which is why your result here is usually higher than a quick mental estimate.
Source: ONS, “Household total wealth in Great Britain: April 2020 to March 2022” (Wealth and Assets Survey Round 8, published 24 January 2025) — the medians by age of household head, the £293,700 all-household median, the £181,700 median excluding private pensions, and the 40% / 35% / 14% / 10% component split. ONS suspended accreditation of the survey from Round 8 while quality work is undertaken, so treat the figures as the best available official benchmark rather than a precise measure. This tool is educational and not financial advice.
ONS Wealth and Assets Survey Round 8 · Last updated: August 2026
Last reviewed 13 October 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
This is the textbook answer. Want to see this calculated against your actual accounts?
See my real percentile →Your net worth, updated without you rebuilding the spreadsheet
Richify keeps property, pensions, ISAs and debts in one number that moves on its own, so the yearly check-in takes a moment instead of an evening.
Get Richify — 7-day free trialHow it works
Net worth is the most comprehensive measure of your financial health. It equals your total assets minus total liabilities. A positive net worth means you own more than you owe. This calculator helps you tally every major asset and liability category relevant to people in the UK, then compares your result to ONS Wealth and Assets Survey benchmarks for your age group.
For example, if you have a workplace pension worth £65,000, £15,000 in an ISA, and £20,000 in cash (total assets: £100,000), and you owe £25,000 in student loans (total liabilities: £25,000), your net worth is £75,000. For a 32-year-old, that is 68% of the 25–34 median of approximately £109,800 (ONS data), £34,800 short of it \u2014 a common position early in a career, before pension and property wealth compound.
UK Net Worth by Age (ONS Data)
The table below shows median household total wealth by age of the household head in Great Britain. These are the exact benchmarks this calculator compares your net worth and wealth percentile against. Total wealth includes property, pension, financial, and physical wealth.
| Age of household head | Median total wealth |
|---|---|
| 16–24 | £15,200 |
| 25–34 | £109,800 |
| 35–44 | £209,600 |
| 45–54 | £301,900 |
| 55–64 | £496,500 |
| 65–74 | £502,500 |
| 75+ | £373,100 |
| All households (GB) | £293,700 |
Source: ONS Wealth and Assets Survey, April 2020 to March 2022 (published January 2025), Office for National Statistics. See our full UK net worth by age breakdown, or track your wealth over time with the UK net worth tracker, model a Lifetime ISA, or check if you are on track with the UK retirement planning calculator.
What UK Household Wealth Is Actually Made Of
On the latest ONS figures, net property wealth is the largest single component of household wealth in Great Britain at 40% of the total, followed by private pension wealth at 35%, net financial wealth at 14% and physical wealth at 10%. That ordering matters when you read your own result: for most households the two big movers are the equity in your home and the value of your pension, and any wealth calculator that leaves either out will understate you badly. It is also why the ONS publishes two different medians — £293,700 including private pensions, but £181,700 once pension wealth is stripped out.
Pension Wealth in the UK
Private pension wealth is the second-largest component of household wealth at 35% of the total, and it is the one people most often forget to count — which is the single biggest reason a quick mental estimate of your net worth comes out too low. Since auto-enrolment was introduced in 2012, millions more workers have been saving into workplace pensions. The minimum combined contribution is 8% of qualifying earnings (3% employer, 5% employee). Increasing your contributions beyond the minimum, especially to capture any additional employer match, is one of the most powerful wealth-building steps you can take.
The Power of ISAs
The ISA (Individual Savings Account) is a uniquely British tax wrapper that shelters investment growth and income from tax entirely. With a £20,000 annual allowance, ISAs are one of the most generous tax-free savings vehicles in the world. A Stocks and Shares ISA invested in global index funds has historically returned 7–10% per year before inflation. Maximising your ISA allowance each year and investing for the long term is a cornerstone of British wealth building.
Understanding Student Loan Debt
UK student loans are unlike any other form of debt. Repayments are income-contingent: you pay 9% of earnings above the threshold (Plan 2: £29,385 in 2026-27; Plan 5: £25,000). Remaining balances are written off after 30 years (Plan 2) or 40 years (Plan 5). For many graduates, the loan functions more like a graduate tax than traditional debt. Unless you earn enough to repay the full balance before write-off, overpaying your student loan may not be financially optimal.
Growing Your Net Worth
The most effective strategies for building wealth in the UK are: maximise workplace pension contributions to capture the full employer match; fill your £20,000 ISA allowance with low-cost global index funds; pay off high-interest debt (credit cards at 20–40% APR destroy wealth); and build an emergency fund of 3–6 months of essential expenses. Even £400 per month invested at 7% average returns grows to approximately £90,000 in 12 years and £488,000 in 30 years (compounded monthly).
Am I wealthy for my age?
"Wealthy" only means something against a comparison group, and the honest one is your own age band — not the national average, which mixes 22-year-olds with retirees. These are ONS median household figures, so half of households in each band sit below the number and half above.
| Age of head of household | Median total wealth |
|---|---|
| 16–24 | £15,200 |
| 25–34 | £109,800 |
| 35–44 | £209,600 |
| 45–54 | £301,900 |
| 55–64 | £496,500 |
| 65–74 | £502,500 |
| 75+ | £373,100 |
Two things to hold in mind before judging yourself against these. They are household figures, so a couple is being compared with a couple. And they include private pension wealth, which is the second-largest component — leave your pension out and you will look far poorer than the comparison assumes. For the full distribution rather than the midpoint, see UK net worth by age.
What a UK wealth calculator actually measures
A wealth calculator and a net worth calculator do the same arithmetic: everything you own minus everything you owe. The difference is only in what people remember to include — and the ONS definition is wider than most people's mental version.
| Component of total wealth | Share |
|---|---|
| Net property wealth | 40% |
| Private pension wealth | 35% |
| Net financial wealth | 14% |
| Physical wealth | 10% |
Property and pensions are three-quarters of it. That is why the single most common mistake is omitting the pension: the Great Britain median is £293,700 including private pensions and £181,700 without them — a gap of over £110,000 created purely by what you count.
How to calculate your net worth in the UK
Add up what you own. Property at what it would sell for today, not what you paid. Pensions at their current transfer or pot value, DC and DB alike. ISAs, shares, cash, premium bonds. Vehicles and anything else genuinely resaleable.
Subtract what you owe. The outstanding mortgage balance — not the original loan — plus credit cards, car finance, overdrafts and any student loan under Plan 1, 2, 4 or 5.
The difference is your net worth. A negative figure is ordinary in your twenties, when a student loan and a fresh mortgage land before the assets have had time to compound; the ONS median for 16–24s is £15,200.
Do it at the same point each year rather than continuously. Net worth moves with house prices and markets you do not control, so the direction over years is the signal and month-to-month noise is not.
How to use this calculator
- Enter the current value of each asset category. Include your workplace pension pot (check your annual statement or provider portal), ISA balances, share holdings, property values (use a recent Rightmove or Zoopla estimate), savings, and any other assets.
- Enter your outstanding liabilities. Include your remaining mortgage balance, student loan balance (check your Student Loans Company account), credit card debts, personal loans, car finance, and any other debts.
- Enter your age to compare your net worth against the median for your age group based on ONS Wealth and Assets Survey data.
- Review your results. Check your total assets, total liabilities, net worth, and asset composition. Use this as a baseline and recalculate quarterly to track your progress.
❓ Frequently Asked Questions
How rich am I compared to the rest of the UK?
Compare your total wealth against the ONS median for your age group, not against the national figure. The Great Britain median household total wealth is £293,700 including private pensions (£181,700 excluding them), but that single number blends a 20-year-old with a 70-year-old and is close to meaningless on its own.
The medians by age of household head are: 16-24 about £15,200, 25-34 about £109,800, 35-44 about £209,600, 45-54 about £301,900, 55-64 about £496,500, 65-74 about £502,500 and 75+ about £373,100. Enter your figures above and the calculator places you against the median for your age band and, separately, gives your approximate percentile against all UK households – the ONS publishes national quartiles but not quartiles by age, so a by-age percentile is not derivable from this release.
Two cautions: these are household figures, so if you are comparing as an individual in a couple you will look poorer than you are; and they include pension wealth, which most people underestimate.
Is a wealth calculator the same as a net worth calculator?
Yes — they compute the same thing, and this tool is both. Your net worth is everything you own minus everything you owe, and 'total wealth' is the term the Office for National Statistics uses for the same measure in its Wealth and Assets Survey.
The only thing to watch is scope rather than wording. ONS measures wealth at the household level and includes four components: net property wealth, private pension wealth, net financial wealth and physical wealth (cars, contents, valuables).
Some commercial 'wealth calculators' quietly exclude pensions or property, which produces a much smaller number that cannot be compared with the ONS benchmarks on this page.
Am I wealthy for my age in the UK?
The honest answer is that it depends almost entirely on your age, because wealth in Britain is accumulated over a working life rather than earned in a year. Median household wealth rises from roughly £15,200 for 16-24 to about £502,500 for 65-74 — the peak band is roughly 33 times the youngest.
So a 30-year-old with £110,000 is at about the median for the 25-34 band, while the same £110,000 at 60 would be well below the £496,500 median for 55-64. Being above the median for your own age band is the meaningful test, and it is the comparison this calculator makes.
Remember too that property equity and pension wealth together account for 75% of household wealth in Great Britain, so anyone renting and early in their pension will be at the lower end regardless of income.
What is the average net worth in the UK by age?
According to the ONS Wealth and Assets Survey (April 2020 to March 2022, published January 2025), median household total wealth by age of the household head is roughly: 16–24 about £15,200, 25–34 about £109,800, 35–44 about £209,600, 45–54 about £301,900, 55–64 about £496,500, 65–74 about £502,500, and 75+ about £373,100. The Great Britain median across all households is £293,700 including private pensions, or £181,700 excluding them.
Across Great Britain as a whole, net property wealth is the largest component of household wealth at 40% of the total, ahead of private pension wealth at 35%, net financial wealth at 14% and physical wealth at 10%.
Should I include my workplace pension in my net worth?
Yes. Your workplace pension (whether defined benefit or defined contribution) is an asset you own and should be included.
For defined contribution schemes, use your current pot value. For defined benefit schemes, an approximate transfer value can be estimated by multiplying your annual pension entitlement by 20.
Private pension wealth is the second-largest component of household wealth in Great Britain at 35% of the total, behind net property wealth at 40% — and it is the asset people most often leave out of their own estimate.
What about my ISA — does it count?
Absolutely. Stocks and Shares ISAs, Cash ISAs, Lifetime ISAs, and Innovative Finance ISAs are all assets.
ISA savings benefit from tax-free growth and withdrawals, making them particularly valuable. The annual ISA allowance is £20,000 (2025/26 tax year), and maximising this each year is one of the most effective wealth-building strategies available.
How does my Student Loans Plan affect net worth?
Student loan debt is technically a liability, but it behaves differently from other debts. Repayments are income-contingent (9% of earnings above the threshold), and remaining balances are written off after 25–40 years depending on your plan.
Many financial planners in the UK treat student loans separately from other debts because of these features. This calculator includes them as a liability for a complete picture.
Should I include my home in my net worth?
Yes, but it is useful to track net worth both with and without your primary residence. Property is illiquid and you need somewhere to live, so excluding it gives a clearer view of your investable wealth.
However, home equity is a genuine asset and the ONS includes it in their wealth statistics.
How often should I calculate my net worth?
Quarterly is ideal for most people in the UK. This captures seasonal patterns such as annual bonus payments, ISA season contributions, and pension statement updates without the noise of daily market fluctuations.
The key is consistency rather than frequency.
What is considered a good net worth at 30 in the UK?
A common target is to have a net worth equal to roughly one year of gross salary by age 30. With the median UK salary around £35,000, that suggests a target of approximately £35,000.
However, high property costs in London and the South East make this challenging. Any positive net worth at 30 puts you ahead of many peers.
Do NS&I savings count as assets?
Yes. National Savings & Investments products such as Premium Bonds, Income Bonds, and NS&I Direct Saver accounts are all assets.
Premium Bonds should be included at their face value (not estimated prize winnings). NS&I products are backed by HM Treasury, making them among the safest savings vehicles available.
How does the State Pension affect my net worth?
The State Pension is not typically included in net worth calculations because it is a future income stream rather than a transferable asset. However, its present value is substantial: the full new State Pension of about £12,548 per year (2026-27) has a present value of roughly £220,000–£275,000 at age 66.
What is the fastest way to grow net worth in the UK?
The three most effective strategies are: (1) maximise your workplace pension contributions, especially to capture the full employer match, which is an immediate 50–100% return; (2) fill your £20,000 annual ISA allowance with low-cost index funds; and (3) pay off high-interest debt such as credit cards and store cards, which typically charge 20–40% APR.
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Further Reading
Your net worth, updated without you rebuilding the spreadsheet
Richify keeps property, pensions, ISAs and debts in one number that moves on its own, so the yearly check-in takes a moment instead of an evening.
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