Assets
Liabilities
Your Net Worth
£121,000
Debt-to-Asset Ratio: 64.7% — High Leverage
Total Assets
£343,000
£343,000
Total Debts
£222,000
£222,000
Liquid Net Worth
£33,000
£33,000
Sources & Citations
ONS Wealth and Assets Survey. Resolution Foundation wealth data. MoneyHelper net worth guidance (moneyhelper.org.uk).
Net worth is your total assets minus total liabilities. Liquid net worth excludes property and pension — it shows what you could access quickly. The average UK household net worth is approximately £302,500 (ONS 2024). Student loans in the UK are written off after 25-40 years and repayments are income-based, so many financial planners exclude them from net worth calculations.