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Add up everything you own and owe, then see exactly how rich you are for your age, benchmarked against real UK data, and project the year you'll cross into the rich bracket.
Your age sets the benchmark you're measured against
Benchmarks are household net wealth (the ONS headline). Combine you and a partner's finances, or switch to "just me".
Cash plus anything in the markets
The biggest hidden chunk of most people's wealth
Add up all your pots. For a final-salary (defined benefit) pension, use its cash-equivalent transfer value if you know it.
Your home counts as its equity, not its full value
Used to pay the mortgage down in the projection. Set 0 if you rent or own outright.
Rent isn't part of your net worth, but it shapes your reality and how much you can save. We use it in the money-each-month breakdown below, and it's why renters build wealth through saving rather than home equity.
A car is equity too: value minus the finance owed
New cars lose ~15–20% a year early on; older cars hold steadier. Applies to all your vehicles; we taper toward a residual floor.
Everything else you own, minus what you owe
ONS wealth includes physical things like home contents and valuables, so a rough figure keeps the comparison fair. (Your car goes in step 5.)
How fast this clears is set by your debt-vs-invest split in step 7.
How fast your wealth grows from here
The share of your gross income you save and invest each year, including pension. Enter your income in step 1 to set the amount.
How your yearly saving is split while you still owe. Anything left over is invested; once you're debt-free, all of it is.
Lifts the "rich for your age" bar and your saving over time. Fixed targets like £1m stay as cash sums.
The rich mark your projection aims for.
"Today's money" strips out inflation, so future figures mean what they'd buy now.
Take-home is an estimate for an employed person in England, Wales or Northern Ireland on 2024/25 thresholds; Scotland and self-employment differ. Housing, debt and saving are drawn from your inputs. "Left for living" is everything else: food, bills, transport, fun and unplanned costs.
How your net worth sits among UK households headed by someone your age.
As soon as you've entered your age and what you own, you'll see how you rank against people your age, and when you're on track to be considered rich.
Benchmarked to the ONS Wealth & Assets Survey, Great Britain, April 2020 to March 2022 (latest published round). Percentiles are estimates from a fitted curve, not exact figures, and predate recent cost-of-living and house-price changes.
Net worth = everything you own (cash, investments, pension, home, other assets) minus everything you owe (mortgage, loans, credit cards). It's the single fairest measure of wealth.
The benchmark. Your figure is scored against the ONS Wealth & Assets Survey (Great Britain, April 2020 to March 2022, the latest published round), which measures total household net wealth including property, pensions, savings and physical possessions. Median household net wealth by age of the household head runs roughly:
Nationally the median is £293,700, the top 10% start at £1,200,500 and the top 1% at £3,121,500.
Your percentile. We anchor each age group exactly on its ONS median, then fit a smooth log-normal curve whose spread is calibrated so the curve reproduces the published wealth deciles as closely as a single curve can. The shape between the published points is therefore modelled, not directly measured. Your net worth is placed on that curve. "Rich" means the top 10% for your age (the 90th percentile) unless you choose a different mark. Read the percentage as a close estimate, not an exact rank: a result of "top 12%" is really "around the top 10 to 15%".
Zero and negative net worth. A meaningful share of UK households, especially under 35, owe more than they own. A pure log-normal curve cannot represent that, so below £0 we blend toward an age-specific share of households with negative wealth rather than collapsing everyone with no assets to the very bottom. Someone at exactly £0 still sits above those in the negatives.
Why the rich mark falls after the mid-60s. It isn't a glitch: median household wealth genuinely peaks around 65–74 and then eases as retirees draw down pensions and trade down homes, so the whole curve, including the top-10% line, drifts down with it. The decline is gradual (a couple of percent a year), reflecting the real data.
Pensions count, and they're big. ONS net wealth includes the full capital value of pensions (for final-salary schemes, the lump sum it would take to buy the income). For most people in their 40s–60s this is the largest single component, larger than home equity, yet it's the part people most often leave out when they picture their wealth. If the medians look high, this is usually why.
Vehicles. A car counts as its resale value minus any finance owed. In the projection it depreciates at the rate you set toward a residual floor (about 15% of today's value, a proxy for a maintained vehicle), while the finance amortises at its APR over its term. Because cars lose value as the loan runs, equity is often negative early ("underwater") and recovers as the balance falls. This models your current vehicle, not future replacements, so over long horizons it's a small, steady part of net worth. Car-finance payments, like the mortgage, are assumed to come from income outside your saving rate.
More than one home or car? Use "+ Add another" on the property and vehicle steps. Each property appreciates at the shared growth rate with its own mortgage and term (so a buy-to-let with a different term pays down on its own schedule), and each vehicle depreciates at the shared rate with its own finance and APR. Everything is summed into your property and vehicle equity.
The projection. Each year you save a set percentage of your gross income (which itself rises with inflation). That single pool is split: while you still owe, a share you choose goes to clearing debt first and the rest is invested; once the debt is gone, all of it is invested. So you never commit more than you actually save. New saving is added to pensions and investments roughly in line with your current mix; both grow at your chosen return, your home grows at the property rate while the mortgage is paid down over its term, and other debts accrue interest at the APR you set. The "rich for your age" bar rises with inflation (fixed cash goals like £1m do not), so reaching it means your real wealth must outpace a moving target. The crossover is the age your projected wealth overtakes that bar.
Tax in the projection. The projection works in gross terms and assumes your saving goes into tax-efficient wrappers such as pensions and ISAs, so it does not separately model income tax on contributions or tax on investment growth. This is realistic for most people saving for the long term. Your net worth and percentile are already post-tax figures (they are wealth you have accumulated and kept), so no tax is applied there either; doing so would double-count. The money-each-month breakdown is the one place tax is modelled, where it estimates your take-home from gross pay.
Rent. Rent is a living cost, not an asset, so it never appears in your net worth. We capture it for the money-each-month breakdown, where it sits next to any mortgage payment so you see your real housing cost. In the projection it is the saving rate, not rent itself, that builds a renter's wealth: owners gain home equity automatically as prices rise and the mortgage falls, while renters build wealth purely through what they save and invest, which is exactly why the two paths diverge.
Money each month. The breakdown estimates take-home pay from your gross income using UK income tax and National Insurance (England, Wales and Northern Ireland, 2024/25; Scotland and the self-employed differ), then subtracts housing, debt repayments and your saving to show what is left for everything else. The mortgage payment shown there is estimated at a representative 5% rate purely for the cash-flow view; it does not change the wealth projection, which repays the mortgage over the term you set.
Today's money vs future pounds. By default the projection is shown in today's money, so a future figure means what it would buy now; this keeps the rich bar roughly level in real terms. Switch to "future £" to see the larger nominal numbers. Either way the "rich by" age is the same.
Household vs just me. The ONS headline is household wealth. "Just me" rescales the benchmark to an individual basis (ONS individual median net wealth is roughly £125,000 against £293,700 per household); treat it as a rough guide, since the relationship isn't uniform across the distribution.
Not financial advice. The survey predates the recent cost-of-living period so carries extra uncertainty, returns and inflation are uncertain, and the growth assumptions are yours to stress-test.
Each band stacks on the one below, so the top edge is your total net worth. Debts sit below the line.
Where your net worth actually sits, and what you owe against it.
The ONS average split of pension, property, financial and physical wealth for your age group.
Most UK wealth is tied up in pensions and property rather than cash. If your mix looks very different, that's often the biggest clue to where you're ahead, or where there's room to build.
Estimates for illustration only · Benchmarked to the ONS Wealth & Assets Survey (Great Britain, 2020–2022) · Net worth and percentiles are modelled estimates, not a valuation · Not financial advice · Your growth assumptions drive the projection, so stress-test them.
There's no official line, but a common benchmark is the top 10% of households, which start at around £1.2 million in total net wealth (including property and pensions), with the top 1% above roughly £3.1 million, according to the ONS Wealth & Assets Survey. These figures look high for a reason worth understanding: they are whole-household totals and they include the full capitalised value of pensions, which for many people is their largest asset even though it never shows up in a bank balance. "Rich for your age" is the more useful lens, since a 30-year-old and a 60-year-old reach the top 10% at very different figures. This calculator shows both, scoring you against people your own age and against the country as a whole, and you can switch to "Just me" to compare on an individual rather than household basis.
Net worth is everything you own minus everything you owe. Assets include cash savings, ISAs and investments, your pension pot, the equity in your home (its value minus the mortgage), and other things like a second property, business stake, car or valuables. Liabilities include the mortgage, personal loans, credit-card balances and car finance. The difference is your net worth, and it's the fairest single measure of wealth because it captures both sides of the balance sheet.
Using ONS median household net wealth (2020–2022), it rises with age: about £15,200 at 16–24, £109,800 at 25–34, £209,600 at 35–44, £301,900 at 45–54, £496,500 at 55–64, peaking near £502,500 at 65–74 before easing in later life as people spend down pensions. These are medians (the middle household), which sit well below the mean because a small number of very wealthy households pull the average up.
Yes. For most UK households pensions and property are the two largest components of wealth by far, making up roughly 35% and 40% of the total respectively. Leaving them out dramatically understates where you stand. For your home, count only the equity (value minus the outstanding mortgage). For a defined-benefit or final-salary pension, use its cash-equivalent transfer value if you have it.
That depends on how much you add each year and what your assets earn. The projection here saves a share of your income into investments and pension (growing at your chosen return), lets your home appreciate while the mortgage falls, and pays down any other debt at the interest rate and pay-off you set, before redirecting that payment into investments once the debt is gone. It then compares the result against the rich mark for each future age. The crossover point is your estimated "rich by" age. Saving a higher share, clearing expensive debt sooner and stronger compounding all pull that date forward.
Income and wealth are different things. A high earner who spends everything can have little net worth, while a modest earner who has saved and bought a home for decades can be genuinely rich. Wealth is also far more unequally distributed than income in the UK. Salary still matters here, it drives how much you can save in the projection, but the verdict itself is based on net worth, which is what "rich" really describes.
Yes. The benchmarks come from the ONS Wealth & Assets Survey, the official source for UK household wealth, covering Great Britain (it excludes Northern Ireland) for April 2020 to March 2022, the most recent published round. We anchor each age group on its official median. The ONS publishes medians and decile points; the smooth curve between those points, and therefore any exact percentage like "top 12%", is our model's interpolation, so read it as a close estimate rather than a precise count. The survey was also collected during the pandemic, before the recent cost-of-living squeeze and interest-rate rises, and the figures are nominal, so they carry extra uncertainty.
"Rich" meaning the top 10% is our editorial choice, not an official definition; there isn't one. We picked it because it's a widely used threshold and easy to reason about, and you can switch the target to "millionaire" or "UK top 10%" instead. The projection's default growth rates (about 5% a year for investments and pensions, 3% for cash, 3% for property) are illustrative long-run assumptions you can and should change, not forecasts; they are nominal, and you can now set investments, cash and pension separately. The inflation setting only adjusts the "rich" bar and the today's-money view, so it does not double-count. Your results are only as good as the figures you enter, and the tool can't check whether you've valued things like a defined-benefit pension correctly.
It's completely free and instant, with no sign-up, and nothing you type leaves your browser. It's an educational model, not financial, tax or investment advice. A result is only as good as the figures and growth assumptions you put in, so it's worth trying a few scenarios. For decisions about saving, pensions or investing, speak to a qualified financial adviser.