Calculate Your Net Worth
Your net worth is the starting point for every financial decision. Add your assets and debts below — it takes 5 minutes and is the single most important number to know.
Assets — what you own
Liabilities — what you owe
Your net worth
$0
$0 assets − $0 liabilities
This tool stores data in your browser only — nothing is sent to any server. Net worth is a point-in-time snapshot; property values, super balances, and debt amounts change regularly. General information only — not financial advice. Consult a licensed financial adviser for personal advice.
Frequently asked questions
What is net worth and why does it matter?
Net worth = total assets − total liabilities. It is the single most useful number in personal finance because it captures your complete financial position: income, spending habits, savings rate, debt management, and investment returns all show up here. A rising net worth over time means your finances are moving in the right direction.
Should I include superannuation in my net worth?
Yes — super is your money, just locked away until preservation age (60 for most Australians). Including super gives you a complete picture. Many Australians are surprised to find super is their largest single asset. If you are planning for early retirement (before 60), track your super and non-super portfolios separately so you know how much accessible capital you have for the gap years.
Should I include my home in net worth?
Include your primary residence at current market value and subtract the outstanding mortgage. This gives your true net worth, though many FIRE planners track "investable net worth" separately (excluding primary residence equity) since your home produces no passive income and cannot easily be drawn on in retirement without downsizing.
What is a good net worth at my age in Australia?
There is no universal answer, but a common benchmark is 1× your annual income by 30, 3× by 40, 6× by 50, and 10× by retirement. ABS data shows the median Australian household net worth was around $600,000 in 2021–22, concentrated in property and super. HENRYs (High Earners, Not Rich Yet) often have high income but negative or low net worth due to lifestyle inflation and inaction — which is exactly why tracking matters.