Financial Profile — your UK net worth today and ahead
We’ll walk you through a few short steps: income, home, savings, debts, student loans and budget. When you’re ready, generate your net worth snapshot and 30-year projections.
Already used our calculators?
About you
Used for age in projections and to choose Scottish or rest-of-UK income tax rates.
For example: 15 03 1985
Income & pension
Add each paid income. Choose Employed for PAYE salary or Sole trader for trading profit (Income Tax and Class 4 NI). Take-home updates your monthly budget automatically. Benefits, casual or other non-modelled income go in budget Other income.
For employed incomes, an expected annual bonus is paid into the pension pot every April in projections — it does not count as monthly take-home.
Primary income
Trading profit: —
Estimated take-home: — / month
Additional incomes
Household take-home (updates budget): — / month
Household projection assumptions
Growth rates used when you move the 30-year snapshot slider.
Home & property
Add each property you own or rent. Tick investment property for buy-to-let or rental income. Monthly rent and mortgage repayments count as expenses in your cashflow (and fill the budget housing line). Continue with none if you do not have housing costs.
Savings & ISA accounts
Cash, ISA and investment account balances. Monthly contributions fill the budget savings line. Pension pots sit under each income above. Combined pension pot: —
Debts (non-student)
Credit cards, loans and similar balances. Minimum and extra monthly repayments fill the budget loan repayments line. Continue with none if you have no consumer debts.
Student loans
Add each plan separately (for example Plan 2 and postgraduate). Course completion year, tax year and repayment salary on the first loan are shared across all plans. Calculated repayments (plus any extra) fill the budget loan repayments line. Continue with none if you have no student loans.
Monthly budget
Same categories as the Budget Planner. Take-home, rent/mortgage, loan repayments and savings contributions come from the steps above. Use Other income for benefits or casual pay — not rental (add that as a buy-to-let property).
Your snapshot
Budget charts 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 by source, living expenses versus savings contributions, and what is left over.
Needs, wants, and savings
How your spending splits across common budget buckets. Categories in each bucket are listed below. Guideline for many households: 50% needs, 30% wants, 20% savings (of income).
Emergency fund status
How your cash savings compare to guideline emergency fund tiers for different income stability profiles.
| Income stability | Minimum | Guideline | Maximum | Your position |
|---|
Add income, housing, debts or budget essentials to see emergency fund guidelines.
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.
Frequently asked questions
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. To see how cash, ISA and pension balances change over time, use the Savings Tracker. For pension drawdown and retirement age scenarios, use the Retirement Planner.