Net worth calculator, 2026/27

How this is calculated

Net worth is calculated as total assets, covering property, savings, investments and other valuables, minus total liabilities, principally mortgage and other debt. The calculator also shows what proportion of your total assets are liquid, meaning cash and investments rather than property or other illiquid holdings.

There is no tax adjustment applied to any of these figures, since net worth is a personal finance measure rather than a tax calculation; capital gains tax, for example, would only become relevant if and when an asset such as a second property or shares were actually sold.

Why directors track this separately from company value

A limited company's balance sheet and a director's personal net worth are two different things, and conflating them is a common mistake; retained profits sitting in the company are not personal assets until they are extracted as salary, dividends or a pension contribution, and are subject to further tax on the way out.

Including a reasonable estimate of the company's value as 'other assets' can be useful for a rounded picture, but should reflect what the shares might realistically be worth on a sale, not simply the balance sheet retained earnings figure, which usually overstates it.

Using net worth for planning

Tracking net worth annually, rather than only checking bank balances, helps show whether debt repayment, savings and investment growth are together moving in the right direction, even in a year where cash in the bank has not obviously increased.

A high proportion of net worth tied up in illiquid property, relative to liquid savings and investments, can be a warning sign for retirement planning, since property is harder to draw a flexible income from than a pension or ISA.

Should I include my company's value in my personal net worth?

You can include a realistic estimate as 'other assets' if you want a fuller picture, but remember that money and value inside the company is not the same as personal wealth until it is extracted, and further tax usually applies on extraction.

Should I include my pension?

You can add a defined contribution pension pot or SIPP balance under savings and investments. A state pension or a defined benefit pension is harder to value as a single lump sum and is usually best tracked separately.

How often should I recalculate my net worth?

Once or twice a year is usually enough to see a meaningful trend, ideally alongside your company year end or annual personal tax planning review, rather than tracking it obsessively month to month.

Does net worth include tax I might owe?

It should. If you have an outstanding self-assessment liability, corporation tax due, or other known tax bill, include it under liabilities for an accurate net worth figure.