How often should I update my net worth?

Every 3-6 months works for most people. Update more often if you're actively working towards goals, major life changes, or tackling debts.

Should I include super and my home?

Yes – super, home, property, vehicles, shares, collectibles and all debts make for an honest picture.

Is net worth all that matters?

No – track cashflow and liquidity separately. But net worth gives you a full, honest snapshot.

Do I need to use bank feeds or apps?

It's optional. Manual entry is fine. Automation is great but not required – just be consistent.

Net Worth Tracker / Dashboard

Calculator

Automate the tracking and visualization of your net worth from your assets and liabilities. See detailed breakdowns and how your net worth changes over time.

Free to useNo data storedAI insightsUpdated: March 2026

Staying on top of your net worth is the single biggest measure of your financial health. This net worth dashboard helps you track your wealth by subtracting what you owe from what you own, and visualizes your progress over time. See your finance snapshot in one slick chart.

Enter Your Details

Real-World Examples

Young family with a mortgage

Assets: Home $850,000 + Super $60,000 + Car $20,000. Liabilities: Home loan $600,000 + Credit card $4,000.

Net worth: $330,000. As assets grow/loan repaid, this will rise.

Single professional, no property, high savings

Assets: Cash $90,000 + Super $100,000 + Shares $30,000. Liabilities: HECS debt $18,000.

Net worth: $202,000. Review asset allocation and HECS repayment plan.

Frequently Asked Questions

Glossary

Net Worth

Your assets minus all your debts - a big picture of your true wealth.

Assets

Everything valuable you own, including property, savings, super and investments.

Liabilities

All debts you owe (loans, cards, taxes, HECS/HELP, etc.).

Financial Snapshot

A one-page summary of your net worth and key finance ratios at a point in time.

Related Tools

Savings Goal Calculator

Set and track specific savings goals alongside net worth.

Investment Portfolio Tracker

See detailed tracking for your shares and ETFs.

Debt Repayment Planner

Optimise your debt repayments to boost net worth faster.

How to Use

1Enter the total value for all your assets.
2Enter the total value for all your liabilities (debts).
3Enable History Tracking if you want to keep a record and see trends.
4Review the dashboard to see your current net worth and breakdown by category.
5Revisit over time to update values and watch your progress.

Key Information

Net worth = Assets minus Liabilities.
Tracking net worth helps you measure real financial progress, not just income.
Historical tracking lets you spot trends and review major life events.
Automate regular updates for the best experience (bank feeds not required).
A rising net worth is a strong sign of growing financial security.

Pro Tips

Update your net worth every 3-6 months to stay on track.
Include super in your assets, but value property conservatively.
Separate 'good debt' (mortgages) from 'bad debt' (credit cards, payday loans) in your dashboard.
Add explanations for big jumps or drops to create an actionable history.
Review your progress after major life events: job change, house purchase, inheritance.

Avoid These Mistakes

Overestimating asset values (especially cars, personal items and property).
Forgetting to include ALL debts - check your credit report.
Tracking only bank balances and ignoring other assets/debts.
Not reviewing net worth after major changes (new loan, big expense).

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: March 2026