Net Worth Calculator
Track your complete financial picture. Add all your assets and liabilities to calculate your net worth and monitor your wealth-building progress over time.
Assets (What You Own)
Cash & Savings
$
$
Investments
$
$
Superannuation
$
Property
$
$
Other Assets
$
$
Total Assets: $0
Liabilities (What You Owe)
Mortgages
$
$
Other Loans
$
$
Other Debts
$
$
$
Total Liabilities: $0
Your Net Worth
$0
Your total assets minus total liabilities
Assets vs Liabilities
Wealth Breakdown
Property Equity $0
Superannuation $0
Investments $0
Cash $0
Australian Benchmarks
Age 25-34: $264,000 avg
Age 35-44: $592,000 avg
Age 45-54: $905,000 avg
Age 55-64: $1,170,000 avg
Age 65+: $1,040,000 avg
Source: ABS Household Wealth Survey
Growing Your Net Worth
- • Pay down high-interest debt first
- • Maximize employer super contributions
- • Build an emergency fund (3-6 months)
- • Invest regularly, even small amounts
- • Track net worth monthly/quarterly
Understanding Your Net Worth
Net worth is the single most important number for measuring your financial health. It's what you'd have left if you sold everything and paid off all your debts.
Australian Net Worth Benchmarks
According to the Australian Bureau of Statistics, here's how Australians compare by age:
| Age Group | Average Net Worth | Median Net Worth |
|---|---|---|
| 25-34 | $264,000 | $94,000 |
| 35-44 | $592,000 | $358,000 |
| 45-54 | $905,000 | $608,000 |
| 55-64 | $1,170,000 | $856,000 |
| 65+ | $1,040,000 | $668,000 |
Note: The median (middle value) is often more representative than average, as a few very wealthy individuals can skew the average significantly higher.
What to Include
Assets:
- Cash & Savings: Bank accounts, term deposits, emergency fund
- Investments: Shares, ETFs, managed funds, bonds
- Property: Current market value of home and investment properties
- Superannuation: Your super balance (check with your fund)
- Vehicles: Current resale value (not what you paid)
- Other: Valuable items, business interests, cryptocurrency
Liabilities:
- Mortgage: Outstanding balance on home and investment loans
- Car Loans: Remaining balance on vehicle finance
- Credit Cards: Current balance owed
- Personal Loans: Any unsecured borrowing
- HECS-HELP: Student loan debt
- Other: Buy now pay later, family loans, etc.
Growing Your Net Worth
There are only three ways to increase net worth:
- Increase assets: Save more, invest returns, property appreciation
- Decrease liabilities: Pay down debt, especially high-interest debt
- Do both simultaneously: Most effective approach