Tools · Wealth Planning
Net Worth Calculator
Calculate your total net worth across all global assets and liabilities. Understand your asset allocation, liquidity position, and estate planning needs as an internationally mobile investor.
Assets
Liabilities
How to use this calculator
Enter the current market values of your assets and the outstanding balances of your liabilities. The calculator aggregates these to produce your estimated net worth, alongside a breakdown of asset allocation and liquidity.
For property values, use current market valuations rather than purchase prices. For business interests, use a conservative estimate of fair market value — typically based on recent earnings multiples or a professional valuation. For pension pots, use the most recent statement value.
The liquidity ratio measures what proportion of your assets can be accessed quickly (within days) — cash and publicly traded investments. A ratio below 10% may indicate over-exposure to illiquid assets such as property and business interests.
Frequently asked questions
What should I include as assets in a net worth calculation?
Your total assets should include all property (primary residence and investment properties at current market value), investment portfolios (stocks, bonds, funds, ETFs), pension pots (both UK and international), cash and bank balances, any business interests at estimated fair value, offshore bonds, insurance policies with a surrender value, and any other valuable assets such as art, vehicles, or precious metals.
How do I value my pension for net worth purposes?
For a defined contribution (DC) pension or SIPP, the current fund value is straightforward — use the latest statement value. For a defined benefit (DB) pension, the most accurate approach is to use a transfer value (CETV) if you have one. Alternatively, multiply your projected annual income by 20 as a rough approximation. Note that DB pension values are typically illiquid and subject to scheme rules on access.
What is a healthy liquidity ratio for a high net worth individual?
Financial planners generally recommend holding at least 10% of total assets in liquid or near-liquid form — cash, money market funds, short-term bonds, or publicly traded equities. For internationally mobile individuals with property-heavy portfolios, maintaining a higher liquidity buffer (15–20%) is often prudent, given the time it takes to liquidate property and the potential for unexpected cross-border tax liabilities.
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