Hundred SummersNet worth calculator: what you own, what you owe, and what you can reach
Your home, savings, investments and pensions less what you owe, split by how reachable the money is, with the ratios that describe a balance sheet. Your figures never leave your browser.
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Worked example
Computed when this page was built by the same engine that runs the calculator above, so the figures below and the live tool can never disagree. Change any input above to see your own.
| Inputs | |
|---|---|
| Home / mortgage | £350,000 / £180,000 |
| Cash and investments | £37,000 |
| Pensions | £120,000 |
| Unsecured debts | £4,000 |
| Results | |
|---|---|
| Net worth | £323,000 |
| Reachable now | £33,000 |
| Property equity / pensions | £170,000 / £120,000 |
| Months of essentials in cash | 4.6 |
| Mortgage loan-to-value | 51.4% |
The next question
Will it be enough for the retirement I want? →
Only the whole picture answers that: the full Hundred Summers plan connects your pay, pensions, savings, property, tax and spending year by year, and stress-tests them across 500 simulated market histories.
Read the guide
- Inheriting money: the order of operations →A lump sum arrives: inheritance, redundancy, a house sale. The unhurried sequence: debt, buffer, wrappers, the tax on what the money earns next, and the £2,880 trick for a non-earning partner.
Three kinds of wealth
A single net worth figure hides how usable it is. Cash and investments can be reached now. Pensions can't be touched until the minimum pension age (55, rising to 57 from April 2028), and three-quarters of what comes out is taxed. Property pays nothing out unless it is sold, let or borrowed against. Two people with the same net worth can be in very different positions if one has it all in the house.
The ratios
Months of essentials in cash says how long you could manage if income stopped; three to six is the usual aim (the emergency fund calculator sizes it). Unsecured debt against take-home pay shows how heavy borrowing is. The mortgage as a share of the home's value matters because lenders price in loan-to-value bands, with rates usually stepping down at 75% and 60%: the remortgage calculator prices a switch. The household budget calculator shows the monthly surplus that builds all of it.
Sources
- Office for National Statistics, Household total wealth in Great Britain (how wealth is measured: property, pension, financial and physical wealth, less liabilities).
- gov.uk, Tax on your private pension.