Calculator
Net Worth
Track total assets vs liabilities to monitor your wealth-building progress quarter by quarter.
Assets
Liabilities
Net worth
$1,233,000
Assets − liabilities
Total assets
$2,223,000
Total liabilities
$990,000
Property equity
$760,000
Liquid assets
$90,000
Cash + offset + emergency
General information only. Calculations are indicative, based on simplified rules current at FY2024–25, and exclude items such as foreign buyer surcharges, off-the-plan concessions, principal-place-of-residence rules and lender policy variation. Always verify with your accountant, broker and the relevant State Revenue Office calculator before transacting.
About this calculator
Net Worth Calculator (Australia)
Net worth is the score on the board. Income tells you the rate at which you're playing; net worth tells you the score. This calculator aggregates every category of asset (cash, offset, super, shares, ETFs, property equity, business equity) and nets out every category of liability (mortgages, personal loans, car loans, credit cards, HECS) into a single number — your real personal balance sheet. We recommend updating it quarterly so the trend, not the level, becomes the focus.
When to use it
- Quarterly net worth tracking
- Year-end financial review and goal setting
- Pre-purchase liquidity check
- Comparing progress against age-cohort benchmarks
- Estate planning and insurance sizing
How to use it
- 1
List liquid assets
Cash, savings accounts, offset balances. These are the assets you can deploy quickly to a purchase or emergency.
- 2
List long-term investments
Super (both partners), ETFs, direct shares, managed funds, business equity.
- 3
List property assets
Use realistic current values — recent comparable sales or bank valuations.
- 4
List all liabilities
Mortgages, personal loans, car loans, credit card balances, HECS/HELP.
- 5
Track quarterly
Compare against your last reading. The trend matters more than any single number.
Methodology & assumptions
Net worth = total assets − total liabilities. Each category is summed at current market value.
Super is included at the current member balance, not preserved/accessible split. Note that pre-preservation age, super is illiquid.
Property values are aggregated at owner's share. Joint ownership splits 50/50 unless specified otherwise.
HECS/HELP is included as a liability even though it doesn't show on credit files — it still reduces serviceability and is a real debt.
Common pitfalls we see
- Overvaluing property. Use bank-conservative figures, not aspirational ones.
- Forgetting super. For most Australians under 50, super is the second-largest asset category after housing.
- Counting offset as equity. Offset reduces interest, but the money is still cash; treat it as a liquid asset, not as a paid-down mortgage.
- Ignoring HECS. It's a real liability that affects borrowing capacity even if it doesn't appear on a credit file.
Frequently asked questions
What's the average net worth in Australia?
Median household net worth in Australia is approximately $580,000, heavily skewed by housing equity. Mean is higher (~$1m) because of top-end concentration.
Should super be included in net worth?
Yes. Super is your money — just preserved until retirement age. Excluding it materially understates your true financial position.
How often should I update my net worth?
Quarterly is the sweet spot. Monthly invites over-reaction to market noise; annually misses inflection points worth acting on.