Calculate Your Net Worth

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

Choose Your Country for Localized Calculations

🇺🇸 United States
🇨🇦 Canada
🇬🇧 United Kingdom
🇦🇺 Australia
🇮🇳 India

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.

Australian Financial Planning Guide

Understanding Australian Superannuation

Superannuation is a key component of Australian retirement planning. Your super balance is a crucial part of your net worth calculation. Consider:

  • Current super balance across all funds
  • Employer contributions (Superannuation Guarantee)
  • Voluntary contributions and salary sacrificing
  • Self-managed super fund (SMSF) assets

Australian Property Market Considerations

Property often represents the largest asset for Australian households. When calculating your net worth:

  • Use current market value, not purchase price
  • Consider recent sales in your area
  • Include investment properties at market value
  • Factor in capital gains tax implications

Australian Tax Considerations

Understanding tax implications can help optimize your net worth:

  • Capital gains tax on investments and property
  • Negative gearing benefits for investment properties
  • Franking credits on Australian shares
  • Super contribution caps and tax benefits

Common Australian Financial Products

Include these Australian-specific assets in your calculation:

  • Term deposits and high-interest savings accounts
  • ASX-listed shares and ETFs
  • Managed funds and industry super funds
  • Government bonds and corporate bonds

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.