Calculate Your Net Worth

Track your financial health by adding up all your assets and subtracting your liabilities

Assets A$0

Real Estate A$0
Current market value of your home and any other real estate you own.
A$
Include primary residence, investment properties, holiday homes, and land.
Cash & Bank Accounts A$0
Total in your transaction and savings accounts, term deposits, and cash on hand.
A$
Include everyday accounts, savings accounts, term deposits, and physical cash.
Superannuation A$0
Value of your superannuation accounts (retirement savings).
A$
Include all super funds, including industry, retail, SMSF, and public sector funds.
Investments A$0
Shares, bonds, managed funds, ETFs and other non-super investments.
A$
Include ASX shares, international stocks, ETFs, managed funds, investment bonds, etc.
Vehicles A$0
Current market value of cars, boats, motorcycles, and other vehicles.
A$
Check Redbook or Carsales for accurate market values of your vehicles.
Personal Property A$0
Value of furniture, jewellery, collectibles, electronics, and other belongings.
A$
Be conservative with estimates - use resale value, not replacement cost.
Other Assets A$0
Business ownership, cryptocurrencies, collectibles, etc.
A$
Include business equity, cryptocurrencies, valuable collectibles, etc.

Liabilities A$0

Home Loan A$0
Remaining balance on your mortgage(s) and any home equity loans.
A$
Include owner-occupier home loans, investment property loans, and line of credit facilities.
Credit Card Debt A$0
Total balances owed on all your credit cards and buy-now-pay-later accounts.
A$
Include all credit card balances, Afterpay, Zip Pay and other buy-now-pay-later services.
HELP/HECS Debt A$0
Outstanding balance on government student loans (HELP/HECS).
A$
Check your myGov account or tax statement for your current HELP/HECS debt balance.
Car Loans A$0
Remaining balance on vehicle loans or leases.
A$
Include car loans, novated leases, chattel mortgages, and other vehicle financing.
Personal Loans A$0
Balance on personal loans from banks, credit unions, or individuals.
A$
Include bank loans, credit union loans, peer-to-peer loans, and money from family/friends.
Tax Debt A$0
Outstanding ATO payments or payment plans.
A$
Include any debt to the ATO, including income tax, BAS payments, and PAYG installments.
Other Debt A$0
Business loans, medical debt, other outstanding liabilities.
A$
Include business loans, payday loans, medical debt, and any other debts.
Your Net Worth
A$0
Enter your assets and liabilities above to calculate your net worth.

Average Net Worth by Age in Australia

Net worth benchmarks by age group in Australia
Age Group Median Net Worth Average Net Worth
Under 35 A$76,400 A$241,300
35-44 A$320,600 A$568,000
45-54 A$506,100 A$944,900
55-64 A$655,300 A$1,234,700
65-74 A$563,900 A$1,272,000
75+ A$503,300 A$953,300

Source: Australian Bureau of Statistics (ABS) Household Income and Wealth Survey (most recent data)

Tips to Improve Your Net Worth
  • Pay off high-interest debt first - Focus on credit cards and personal loans.
  • Build an emergency fund - Aim for 3-6 months of expenses.
  • Boost your super contributions - Consider salary sacrificing or making after-tax contributions.
  • Invest consistently - Dollar cost average into diversified ETFs or managed funds.
  • Review property options - Consider if property investment aligns with your financial goals.
  • Optimize tax strategies - Understand negative gearing, capital gains, and super tax benefits.

Understanding Your Net Worth

What Is Net Worth?

Net worth is the difference between what you own (assets) and what you owe (liabilities). It's a snapshot of your financial position at a specific point in time.

About Assets

Assets are things you own that have monetary value. They include cash, investments, property, superannuation, and personal possessions that could be sold for cash.

About Liabilities

Liabilities are debts or obligations you owe to others. These include home loans, credit card debt, HELP/HECS debt, car loans, personal loans, and tax debt.

Why Track Net Worth?

Tracking your net worth over time helps you measure financial progress, identify areas for improvement, and make better decisions about saving, spending, and investing.