Net Worth Calculator
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.
How to calculate your net worth in Australia
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.
Average net worth in Australia by age
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.
What is a good net worth for my age in Australia?
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.
How to improve your net worth
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.