Net Worth Calculator
Track total assets and debts across ISA, SIPP, GIA, home equity, and more. Get personalised UK tax-optimisation tips covering ISA allowance, pension AA, LISA eligibility, and HICBC.
Net Worth
£150,000
Total Assets
£425,000
Total Liabilities
£275,000
Debt / Asset
65%
Liquidity Ratio
7% liquid
Tax-Advantaged % of investments
91%
Pension Annual Allowance remaining: £60,000. SIPP contributions receive tax relief at your marginal rate.
Pension tax reliefEst. value: ~£2,400/yr
Aged 18-39: Lifetime ISA offers £1,000/year government bonus on up to £4,000/year contributions, usable for a first home or retirement (age 60+).
Est. value: ~£1,000/yr
You have £20,000 of ISA allowance left this tax year. ISA resets 6 April — use it or lose it.
ISA toolsEst. value: ~£200/yr
Frequently asked questions
What counts as net worth in the UK?
Net worth = assets (cash, ISA, SIPP, GIA, home, property, vehicles) minus liabilities (mortgage, student loan, credit cards).
Should I include my primary home?
Yes — market value as asset, mortgage as liability. Homes are illiquid (agent+legal fees 1.5-3%) so the liquidity ratio separates liquid holdings.
What's a good tax-advantaged % by age?
Under 30: aim for 70%+ (ISA + SIPP). 30-44: 60-70%. 45-59: 50-60%. 60+: drawdown strategy matters more than %. ISA and SIPP are the two main UK tax wrappers.
How do I improve my tax-advantaged %?
Use the £20,000 ISA allowance every tax year (resets 6 April). Contribute to a SIPP for tax relief at your marginal rate (20%, 40%, or 45%). For ages 18-39, open a LISA for a 25% bonus up to £1,000/year.
What UK account types are tax-advantaged?
ISA (tax-free growth, tax-free withdrawals). SIPP/Pension (tax relief going in, 25% tax-free lump sum at 55-57). LISA (age 18-39, £4,000 cap, 25% bonus, first home or retirement). Premium Bonds (tax-free prizes).