Loading...
Loading...
Calculate your personal net worth, see asset allocation, compare to Australian benchmarks by age, and project when you will hit your financial goal. Your data is saved locally — nothing is sent to a server.
Total Assets
$0
Total Liabilities
$0
Net Worth
$0
Debt-to-Asset
0.0%
Your Net Worth
$0
Assets $0 − Liabilities $0
Compare to ABS Median
Based on ABS Survey of Income and Housing 2021-22 (Household net worth by age of reference person). Select your age group:
ABS median (35–44)
Peak earning years — paying down mortgages, growing investments
$567,000
Your net worth
$0
vs median
-$567,000
0% of median
Medians are from ABS 2021-22 data — real figures may be higher in 2025-26 due to property price growth and super returns.
Goal Projection
Target net worth ($)
Annual growth rate (%)
Enter your assets to see the projection.
Your net worth is a simple equation: total assets minus total liabilities. Assets include everything you own that has monetary value — your home, investment properties, superannuation, shares, ETFs, savings, vehicles, and any business interests. Liabilities are everything you owe: mortgage balances, investment loans, personal loans, car finance, credit card debt, HECS/HELP debt, and any other obligations. The result — positive or negative — is your net worth. It is the single best measure of your financial health and progress over time. Calculate it at least once a year.
According to the ABS Survey of Income and Housing (2021-22), median household net worth varies significantly by age. Households under 35 have a median net worth of around $188,000, largely in super and savings. By the 35–44 bracket the median rises to $567,000 as mortgages are paid down and super balances grow. The 55–64 age group has the highest median at $1,177,000 — reflecting decades of property equity and super accumulation. Keep in mind these are medians, not averages, so they exclude the distortion of ultra-high-net-worth households. Property price growth since 2021-22 means 2025-26 figures will be higher.
There is no single "right" number — your net worth depends on income, career stage, family situation, location, and choices. A useful rule of thumb is: by age 35, target a net worth of 1× your annual income; by 45, aim for 3–5×; and by 55, target 7–10× to be on track for a comfortable retirement. Super alone is often the biggest driver of net worth for Australian workers — making voluntary contributions (especially salary sacrifice) is one of the most tax-effective ways to grow your wealth.
There are two levers: grow assets or reduce liabilities. On the asset side, increase super contributions (taxed at 15%, not your marginal rate), invest in a diversified share portfolio through ETFs, and build equity in property. On the liability side, prioritise paying down high-interest debt (credit cards, personal loans) first. Review your HECS balance — voluntary repayments can help if you have excess cash. Avoid lifestyle inflation as income rises. Track your net worth annually to measure progress and stay motivated.