The Finance Algorithm

Net Worth Calculator

Calculate your total net worth by listing all assets and liabilities. Track your financial progress over time.

Updated October 2026Built and checked by MaverickHow it's calculatedReport an error

Your numbers

Updates as you type
$
$0

Current market value of any owned property

$
$150k

Total super across all funds

$
$0

Total value of investment portfolio

$
$25k

Cash in savings, term deposits, transaction accounts

$
$0

Vehicles, cryptocurrency, collectibles, etc.

$
$0

Outstanding home loan balance

$
$0

Student loan balance

$
$0

All other outstanding debt balances

35y

For benchmarking against ABS medians

The button asks our AI to explain these figures in words.

Your net worth

Net worth

$175,000

Assets − Liabilities

Total assets

$175,000

Total liabilities

$0

Investable net worth

$175,000

Excludes home equity

How your wealth is split across asset classes

A balanced mix across property, super, shares and cash reduces concentration risk.

$175,000total assets
Super85.7%
Savings14.3%

You're 70% below the median household's net worth

ABS Survey of Income and Housing 2019-20, the latest wealth figures: $579,200 for all households, including property and super. It's a household figure, so a couple's combined net worth compares more closely.

  • ABS median
  • You
$579kABS median household$175kYou
Track the trend, not the snapshot. Net worth fluctuates with markets and property values. The direction over 2-5 years matters more than any single quarter. Re-run this calculator each quarter and watch the curve.

How it works

Net worth is what you own minus what you owe. On its own it's just a number, but watched over a few years it shows whether you're getting ahead, whatever you earn. This adds up your assets and debts, sets the total against Australians your age, and explains what's driving it.

  1. 1Enter the current value of all your assets (property, super, investments, savings, car, etc.).
  2. 2Enter all your outstanding debts (mortgage, HECS, car loan, credit cards).
  3. 3Add your age for personalised benchmarking.
  4. 4See your total net worth, asset allocation breakdown, and how you compare.

Worked examples

Starting Out

Sophie, 28: $85,000 super, $15,000 savings, $5,000 shares and a $20,000 car. Debts: $22,000 HELP.

Property value
$0
Superannuation balance
$85,000
Shares / ETFs / managed funds
$5,000
Savings & bank accounts
$15,000
Other assets (car, crypto, etc.)
$20,000
Mortgage balance
$0
HECS-HELP debt
$22,000
Other debts (car, personal, credit card)
$0
Current age
28

Net worth: $103,000 - assets of $125,000 less the $22,000 HELP debt. Most of it is super she can't reach until retirement. The ABS median household net worth ($579,200 in 2019-20) is for households of all ages, so it's a loose comparison at 28.

Homeowner with a Mortgage

David, 40: $850,000 home, $200,000 super, $30,000 savings, $15,000 shares. Debts: $580,000 mortgage, $5,000 credit card.

Property value
$850,000
Superannuation balance
$200,000
Shares / ETFs / managed funds
$15,000
Savings & bank accounts
$30,000
Other assets (car, crypto, etc.)
$0
Mortgage balance
$580,000
HECS-HELP debt
$0
Other debts (car, personal, credit card)
$5,000
Current age
40

Net worth: $510,000, about 12% below the ABS median household figure. Home equity of $270,000 is the biggest part; outside the home he has $240,000. Clearing the $5,000 card, usually the most expensive debt, is the quickest gain.

Questions people ask

What is a 'good' net worth for my age?
The ABS's latest wealth figures, from the 2019-20 Survey of Income and Housing, put the median net worth of Australian households at $579,200, including property and super. Wealth rises with age and is highest for households headed by people approaching retirement. It's a household figure, so compare a couple's combined net worth.
Should I include my home in net worth?
Yes, it's an asset. But it's worth tracking your net worth without the home and its mortgage too, because you can't spend the house you live in or earn an income from it. That second figure says more about what you could live on.
How can I increase my net worth?
Three levers: 1) Increase income (career growth, side income). 2) Reduce expenses (more surplus to save/invest). 3) Grow assets (invest surplus into shares, ETFs, property, super). Also: pay down high-interest debt to reduce the liability side. The earlier you start, the more compounding helps.

The terms, in plain English

Net Worth
Total assets minus total liabilities. It's the most comprehensive measure of your overall financial position.
Investable Net Worth
Net worth excluding primary residence and associated mortgage. Focuses on liquid and investable assets that can generate income or be accessed.
Asset Allocation
How your total wealth is distributed across different asset classes (property, shares, cash, super). A balanced allocation reduces risk.
Equity
The portion of an asset that you actually own. For property: property value minus mortgage = equity. Equity grows as you pay down the loan and as the property appreciates.

Official sources

Compound Interest Calculator

See how investing your surplus can grow your net worth exponentially.

Savings Goal Calculator

Set specific savings targets to boost your net worth.

Dividend Income Calculator

Calculate passive income from your investment portfolio.