What counts as net worth?
Total assets minus total liabilities. Assets include cash, ISAs, brokerage, retirement accounts, property at market value, and vehicles at depreciated value. Liabilities are mortgages, loans, and credit-card balances.
Foundations · 01
Net Worth
Total assets minus liabilities. The starting line for every other answer.
Currency
Used for the freedom-years calc.
Net worth
£412,000
Assets minus liabilities
Liquid capital
£107,000
Money you can actually deploy
Freedom years
3.0
Liquid divided by annual spend
Leverage ratio
38.0%
Liabilities as a share of assets
Assets
subtotal
£664,000
Liquid & financial
Locked & retirement
Property & physical
Liabilities
subtotal
£252,000
Mortgages
Loans & credit
Asset composition
- Liquid16%
- Locked14%
- Property70%
Assets vs liabilities
- Assets£664,000
- Liabilities£252,000
- Net worth£412,000
Freedom years count only liquid capital. Primary home and pension are excluded, you can't pay rent with bricks. Illustrative defaults only; replace with your numbers.
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Frequently asked questions
Why split liquid from locked?
Liquid net worth, cash plus non-retirement investments minus debt, is what you can actually access this month. Locked net worth (pensions, ISAs with penalties, illiquid property equity) matters long-term but doesn't pay this year's bills.
How often should I update it?
Quarterly is usually enough. More than that and you'll fixate on market noise; less and you'll miss when something material changes, a payoff, a layoff, a property revaluation.
Should I count my home?
Yes, but at conservative market value (online estimate × 0.95) minus the outstanding mortgage. Don't add purchase price plus improvements, the market is the only number that matters when you sell.