Net worth calculator, 2026/27
Tracking personal net worth alongside company performance gives directors a fuller picture of overall financial progress. Enter your main assets and liabilities to see your net worth and how it splits between property, savings and investments.
The net worth calculator runs on the rates and thresholds HMRC has published for the 2026/27 tax year, so the figures you see reflect the position your company is actually filing on rather than a historic set of bands. Change any input and the result recalculates immediately, with no sign-up and nothing sent anywhere.
If you are a director of a UK limited company, use it as a first look before a decision rather than as the decision itself. Net worth is simply total assets minus total liabilities based on the figures you enter; there is no tax calculation involved. Real company positions bring in other income, reliefs, group structures and prior year adjustments that a single page of inputs cannot see, which is why the workings are written out below under personal finance & planning. Read those, then check the numbers against your own accounts, and speak to us if anything looks materially different from what you expected.
Last reviewed 12 September 2026 for the 2026/27 tax year. Reviewed by Waqas Sagar, Member of ICAEW, Fellow of ACCA, Fellow of AAT.
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Result, 2026/27
Net worth
Total assets
Total liabilities
Liquid assets as a share of total assets
Illustration only, figures are based on the rates you have selected and the information entered. Please check your own position with us before acting.
Estimates for the 2026/27 tax year using published GOV.UK rates. Switch between 2026/27 and 2025/26 above.
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.
What this means for your company
Treat the result as a planning figure for the 2026/27 tax year. If it changes what you were about to do, take a director's salary, a dividend, a large asset purchase or a filing decision, check it against your own accounts first. We can review the position with you and confirm the tax treatment before you commit.
Frequently asked questions
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.
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