Net Worth = Assets − Liabilities. An honest picture of your financial position.
Add all assets: bank accounts, home, car, investments, retirement savings.
Subtract all liabilities: mortgage, loans, credit card debt.
Use this calculator before making any financial commitment that depends on this type of calculation. Running the numbers in advance lets you evaluate options without the pressure of a live negotiation or decision deadline.
Many financial calculation errors stem from omitting ancillary costs: fees, taxes, insurance, or maintenance. The headline figure (interest rate, monthly payment) is rarely the complete cost of a financial product.
An employee receives a counter-offer from another employer: a £4,000 salary increase but no pension contribution versus the current role's lower salary with 8% employer pension. Running both through the finance calculator shows the true net financial value of each offer.
Net worth is the value of all your assets minus all your liabilities.
By age 35: 1x salary. Age 45: 3x. Age 55: 7x annual salary.
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