Net worth is the value of everything you own (assets) minus everything you owe (liabilities). It is the single best snapshot of your overall financial position.

What counts as an asset?

Cash and bank balances, investments (stocks, bonds, funds, crypto), retirement accounts, the market value of property and vehicles, and any other items of meaningful resale value.

What counts as a liability?

Mortgages, student loans, car loans, personal loans, credit-card balances, tax owed, and any other money you owe to another party.

What is a good net worth by age?

A common rule of thumb is that target net worth equals (Age − 25) × Annual Income / 5. So a 35-year-old earning £50,000 should aim for £100,000. The calculator shows this benchmark next to your result.

Should I use market value or purchase price for property?

Always market value. Net worth measures what you could realise today — outdated purchase prices distort the picture in either direction.

💎 Nettoformue Lommeregner

Summer dine aktiver og passiver for at se din reelle finansielle position. Gratis, øjeblikkeligt, GDPR-kompatibelt.

Valuta

Your age (optional, for benchmark)

Årsindkomst (valgfrit, til benchmark)

📊 Assets — what you own

Samlede aktiver—

📉 Liabilities — what you owe

Samlede forpligtelser—

ℹ️ Drikkepenge. Update at least once a year, or after any major life event (house move, job change, big purchase). Net worth typically grows fastest in your 30s and 40s.

Om nettoformue-lommeregneren

Net Worth Calculator besvarer det vigtigste spørgsmål inden for personlig økonomi: what am I actually worth? Formlen er enkel — samlede aktiver minus samlede passiver — men disciplinen i at skrive alt ned én gang om året er en af de mest løftestangsmæssige vaner inden for personlig økonomi.

What to include — assets

Liquid: cash, current accounts, savings, ISAs, money-market funds.
Investments: stocks, bonds, funds, ETFs, crypto (at current market value).
Retirement: 401k, IRA, arbejdspladspension, SIPP — ved den seneste udbyderopgørelse.
Real estate: primary residence and any rental at current market value, not purchase price.
Vehicles: cars, motorcycles, boats — use a realistic resale figure.
Other: forretningskapital, værdifulde samlinger (kunst, ure), royalties.

What to include — liabilities

Realkreditlåns and HELOCs (outstanding balance, not original loan)
Student loans, car loans, personal loans
Kreditkortsaldi (den del du bærer fra måned til måned)
Tax owed but not yet paid (e.g. self-assessment liability)
Alle private eller familielån

Formuebestand-mål efter alder

A common benchmark from financial planning research is:

Mål = (Alder − 25) × Årsindkomst / 5

For example, a 35-year-old earning £50,000 should aim for around £100,000 net worth. This is a rough target — it ignores location, family structure and career stage — but it's a useful sanity check.

Ofte stillede spørgsmål

Should my house count if I have a mortgage? Ja — men på begge sider. Tilføj boligens markedsværdi til aktiver og det udestående realkreditlån til forpligtelser. Forskellen (din egenkapital) er det, der flyder ind i nettoformuen.

What about my car? Brug en realistisk privatsalgsværdi (Auto Trader, Kelley Blue Book eller lignende). Biler afskrives hurtigt, så opdater tallet hvert år.

Can net worth be negative? Yes, often in the early 20s and 30s due to student loans and mortgages. The calculator shows the result with a minus sign.

How often should I recalculate? Årligt er nok til et sundt øjebliksbillede; kvartalsvist hvis du arbejder mod et specifikt opsparing- eller gæld-tilbagebetalings-mål.

Is my data stored? No — every calculation runs locally in your browser.

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Vigtig bemærkning: This tool provides estimates and is not a substitute for professional financial advice. Always consult a qualified adviser before making major financial decisions.

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