Net Worth Calculator.
Calculate your total net worth by listing all assets and liabilities. Track your financial progress over time.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Your net worth is the single most important number in personal finance — it's the complete picture of your financial health. It's simply what you OWN (assets) minus what you OWE (liabilities). Tracking your net worth over time is the best way to measure financial progress, regardless of your income level. This calculator adds up everything, benchmarks you against Australian averages for your age, and provides AI-powered insights on how to improve.
Real-world scenarios
First Home Buyer
Sophie, 28: $85,000 super, $15,000 savings, $5,000 shares, $20,000 car. Debts: $22,000 HECS.
Net worth: $103,000. Well above the median for her age group (~$78,000). Her next move should be boosting savings for a home deposit while her HECS is slowly paid through tax. She's in a strong position.
Homeowner with Mortgage
David, 40: $850,000 home, $200,000 super, $30,000 savings, $15,000 shares. Debts: $580,000 mortgage, $5,000 credit card.
Net worth: $510,000. Right around the median for his age. His home equity ($270,000) is his biggest asset class. Priority: eliminate the credit card debt immediately, then accelerate mortgage repayments.