Financial Profile — your UK net worth today and ahead
Enter your household income, pension contributions, monthly budget, property, savings and debts in one place. Money Engine builds a live net worth snapshot: what you own, what you owe, and how much is left each month after spending.
Use the 30-year projection slider in your snapshot to explore how pension growth, mortgage paydown (including overpayments), debt repayment and inflation might change your position over time.
- Headline net worth — assets, liabilities and property equity
- Future snapshots modelled up to 30 years ahead on one slider
- Shared ownership? Enter full property value, your percentage owned, and the mortgage balance on your share
- Save & sync once to retirement, budget, mortgage and all other tools
- Private — no account required, data stays on your device
Projections assume you keep working at your entered salaries for the full horizon. You can save a partial profile at any time, or jump straight to an individual calculator without completing this form.
Already used our calculators?
About you
Employment income & pension contributions
Enter gross salary and pension details for each employed income in your household. Your budget take-home pay updates automatically.
Expected annual bonus is paid into each income’s pension pot every April while working (same as the Retirement Planner). It does not count as monthly take-home pay. For benefits, casual work, or non-PAYE income, use Other income in the budget section.
Primary income
Estimated take-home: — / month
Additional employed income
Household take-home (updates budget): — / month
Household projection assumptions
Monthly budget
Same categories as the Budget Planner. Take-home employment income is calculated from the salary section above.
Home & property
Add each property you own or rent. Tick investment property for buy-to-let or rental income.
Savings & ISA accounts
Combined pension pot from incomes above: —
Cash & savings accounts
Debts (non-student)
Student loans
Add each plan separately (e.g. Plan 2 and postgraduate). Course completion year, tax year and repayment salary apply to your first loan entry and are shared across all plans.
Your snapshot
Budget breakdown from your monthly entries, then projected net worth and cashflow over the next 30 years.
Spending breakdown
Share of your monthly spending in each category group.
Income vs spending
Compare monthly income, expenses, and what is left over.
Needs, wants, and savings
How your spending splits across common budget buckets. Guideline for many households: 50% needs, 30% wants, 20% savings (of income).
Your Financial Snapshot And Projections
Net worth over time
Asset mix
| Assets | Value |
|---|---|
| Property | — |
| Pension pot | — |
| Cash & savings | — |
| Total assets | — |
| Liabilities | Value |
|---|---|
| Mortgage | — |
| Consumer debts | — |
| Student loans | — |
| Total liabilities | — |
Projection assumptions
Projections assume you continue working at your entered salaries for the full 30-year horizon: take-home pay, pension contributions and salary growth keep running with no planned retirement date. Property assets use the full value times your percentage owned; the mortgage balance you enter is your outstanding loan on that share and is not scaled again. This is a simplified illustration—tax, fees and market volatility are not fully modelled. See methodology for more detail.
Why start with your Financial Profile?
Money Engine has separate calculators for retirement, budgeting, debt payoff and more. The Financial Profile brings your key numbers into one place so you do not re-enter the same salary, mortgage or pension pot on every page.
Your net worth is the difference between what you own (assets) and what you owe (liabilities). The snapshot bar shows total assets, total liabilities and net worth at a glance. Use the time slider to explore how your position might change over the next 30 years based on growth and inflation assumptions.
When you click Save & sync to all tools, your profile updates the saved data in the Budget Planner, Retirement Planner, Take-Home Salary, Mortgage Overpayment, Debt Payoff, Student Loan, Emergency Fund and Compound Interest calculators.
Frequently asked questions
Do I have to complete every section?
No. You can save a partial profile at any time. The snapshot updates as you add data.
Will this overwrite my calculator data?
When you sync, your profile overwrites saved calculator data. Retirement plan scenario goals are preserved.
Is my data sent anywhere?
No. Everything stays in your browser’s local storage. Money Engine does not receive, store, use or share your financial profile.
How are future-year net worth projections calculated?
Projections apply your growth and inflation rates and existing loan amortisation models. They are estimates, not guarantees.
What is included in my UK net worth figure?
Assets: property, pension, cash and emergency fund. Liabilities: mortgage, consumer debts and student loans.