Making a useful net-worth snapshot
Net worth is the value of what you own minus what you owe on a particular date. Enter current values consistently across cash, investments, pensions, your home and rental properties. Record the associated mortgages and other debts separately so that borrowed money is not mistaken for wealth.
Worked example
A home worth £300,000 with a £180,000 mortgage contributes £120,000 of equity. A rental property worth £200,000 with a £120,000 mortgage contributes another £80,000. Together they add £200,000 to net worth, not their £500,000 combined property value.
Interpreting the result
Use the same valuation date for every entry where possible. For shared property, use your share of both the asset and the related debt consistently. Avoid entering a pension fund both under investments and under pensions. Keep a note of estimates that are especially uncertain.
Checks before relying on the numbers
Net worth is not the same as spendable cash or retirement income. Selling property may incur costs and tax; pensions may not yet be accessible. For a useful review, consider liquid savings and debt payments alongside the headline total. The tool does not value future State Pension payments as an asset.
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Personal Fortune · Updated 25 September 2026. Educational illustrations, not personal financial advice. Our approach and corrections.