Net Worth Calculator (AU)
Calculate your net worth in Australia. Add all assets and liabilities to get a clear picture of your financial position. Free net worth calculator.
How to Calculate Your Net Worth
Net worth is the single most important measure of financial health: Total Assets minus Total Liabilities. Our calculator tracks property, superannuation, investments, cash, and all debts.
Assets include everything you own with monetary value. For most Australians, the largest are the family home (median ~$800,000 in 2025), superannuation (average ~$170,000 for men aged 40-44), and savings.
Median household net worth is approximately $580,000 (ABS 2023-24). By age: 25-34 median ~$160,000; 55-64 median ~$960,000. L3 Advanced shows your percentile ranking.
For homeowners, property equity (value minus mortgage) is typically the largest wealth component. With a $650,000 home and $450,000 mortgage, equity is $200,000.
Increase assets (save more, invest wisely), reduce liabilities (pay down high-interest debt first), or both. Maximise super contributions up to $30,000 p.a. concessional, maintain an emergency fund, and invest surplus in diversified index funds.
Yes — include market value as an asset and mortgage as a liability.
Yes — it's real wealth even though you can't access it until preservation age (60).
Yes — while indexed to CPI only, it reduces net worth and affects take-home pay.
By 30: $100-200k; by 40: $400-600k; by 50: $800k-1.2M; by 60: $1.2-1.8M.
This calculator provides estimates only and does not constitute financial advice. Verify results with a qualified professional.