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.

§ Tool · tier 1 · independent

Net Worth Tracker / Dashboard.

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.

CalculatorFree, no signupOn-deviceupd March 2026

Inputs

Your numbers

Awaiting inputs

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.

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.

§ Worked examples

Real-world scenarios

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.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

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.

§ Pair it with

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

01Enter the total value for all your assets.
02Enter the total value for all your liabilities (debts).
03Enable History Tracking if you want to keep a record and see trends.
04Review the dashboard to see your current net worth and breakdown by category.
05Revisit over time to update values and watch your progress.

Key info

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

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: Estimates only. Interest rates, fees and policies change frequently. Always verify with lenders directly. General information, not personal financial advice.

Last updated · March 2026