Net Worth Calculator Australia 2025-26
Take stock of where you stand financially.
Calculate your total net worth by tracking assets and liabilities. Includes property equity, superannuation, investments, HECS debt, and wealth percentile ranking by age. All calculations in your browser.
Net worth = all assets at current market value minus all liabilities.
Select the question that matches where you are right now.
Use this calculator to plan and model your financial situation.
Compare scenarios by adjusting inputs. Use the precision bar to reveal more detail. Results update in real time as you type.
Not professional financial advice, not a guarantee of any specific outcome, and not a substitute for qualified advice for significant decisions.
All calculations run entirely in your browser using standard formulas. No data is sent to any server.
The inputs that most influence this result are shown in the breakdown above. Even small changes to key variables can have a significant compound effect over time.
Longer periods amplify both growth and cost. Starting one year earlier or later can change a financial outcome by more than you expect.
Even a 1% change in rate can materially change the outcome over a long period. Use Standard or Advanced mode to model rate sensitivity.
Most financial variables have a non-linear relationship with the result — they compound. The sensitivity table in Advanced mode shows this clearly.
To improve this result, focus on the inputs with the highest leverage. Small changes to the right variable often produce much larger outcomes than large changes to less important ones.
Adjust inputs one at a time. The one that moves the result most is your binding constraint — focus effort there first.
Use the Scenario A/B feature in Advanced mode to compare two situations side by side.
Many financial decisions benefit from timing. Starting earlier, fixing a rate at the right moment, or clearing a debt before applying for new credit can each produce significant improvements.
Depending on what you are planning, these are the natural next steps after reviewing this result.
This calculator shows one part of a financial decision. The related calculators below help you model adjacent factors.
Switch to Standard or Advanced mode and use the scenario comparison tool to model best, expected, and worst case.
For decisions involving significant amounts of money, use this result as a starting point for a conversation with a qualified financial advisor.
How net worth is calculated
Net worth formula
Net worth = Total assets − Total liabilities. Assets include everything you own with value: cash, superannuation, investment accounts, property, vehicles, business interests. Liabilities include everything you owe: mortgage balance, personal loans, car loans, credit card balances, HECS debt, BNPL.
Asset valuation
Use current market value for assets, not purchase price. Your home might be worth significantly more or less than you paid. Superannuation balance from your latest statement. Shares and ETFs at current market value. Vehicles at current resale value (not replacement cost).
| Asset type | Include at... | Notes |
|---|---|---|
| Home | Current market value | Estimate or recent comparable sales |
| Super | Current balance | Check latest annual statement |
| Shares/ETFs | Current market value | Use online brokerage balance |
| Vehicle | Current resale value | Check RedBook or Carsales |
| Business | Net asset value or multiple | Complex — seek advice |
Australian net worth benchmarks by age — 2025-26
ABS Household Income and Wealth Survey data. Figures include superannuation at current balance.
| Age group | Median net worth | Mean net worth | Key drivers |
|---|---|---|---|
| 25–34 | $63,000 | $121,000 | HECS debt, minimal super, no property |
| 35–44 | $256,000 | $502,000 | Property purchase era, super growing |
| 45–54 | $488,000 | $893,000 | Property equity, super accumulation |
| 55–64 | $737,000 | $1,286,000 | Peak earning, super near retirement |
| 65+ | $901,000 | $1,300,000 | Superannuation drawdown begins |
| All ages | $273,000 | $702,000 | Skewed by high-wealth households |
Note: Mean is higher than median because a small number of high-wealth households pull the average up significantly. The median is more representative of the 'typical' Australian.
What counts as an asset in your net worth calculation
Financial assets
Cash and bank accounts, superannuation balances, shares and ETFs, managed funds, term deposits, bonds, cryptocurrency, and business equity. All valued at current market value.
Physical assets
Property (your home and any investment properties at current market value), vehicles (current resale value — not what you paid or the replacement cost), jewellery and collectibles (only if you could realistically sell them), and business equipment.
What not to include
Do not include your expected future income, pension entitlements (unless you have a defined benefit super fund), or assets that would be difficult or impossible to sell. Future expected inheritances are not assets.
What counts as a liability in your net worth calculation
Secured liabilities
Mortgage balance (principal outstanding, not original loan), car loan balance, and investment property loan balances. These are secured against an asset — the lender can sell the asset if you default.
Unsecured liabilities
Credit card balances (what you currently owe, not the limit), personal loan balances, HECS/HELP debt, BNPL balances, and family loans. HECS is a significant liability for many younger Australians — it is indexed annually to CPI and does not appear on your credit file, but it is a genuine financial obligation.
Contingent liabilities
Guarantees for others' debts (where you are a guarantor on a loan) are contingent liabilities — they do not appear in most net worth calculations but represent real financial risk.
How to grow your net worth faster in Australia
The two levers: assets up, liabilities down
Net worth grows when assets increase in value and/or liabilities decrease. The fastest path combines both: invest surplus income in appreciating assets (superannuation, property, shares) while systematically reducing high-cost liabilities (credit cards, personal loans).
Superannuation compounding
Super is the most tax-effective wealth building vehicle available to most Australians. Contributions (and earnings) are taxed at 15% inside super versus marginal rates outside. An extra $5,000 in annual salary sacrifice over 20 years, growing at 7%, produces approximately $200,000 in super at retirement — with tax savings of $40,000–$80,000 depending on your bracket.
The property equity engine
For most Australian homeowners, the largest driver of net worth growth is property equity — the difference between property value and mortgage balance. At 6.2%, $500 of your $3,060/month mortgage repayment reduces the principal in month one, rising to $1,500/month by year 15 and $3,000/month in the final years. Principal repayment is net worth growth.
❓ Frequently asked Frequently asked questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most comprehensive measure of your financial position. Positive net worth means you own more than you owe; negative net worth (more common in younger adults with HECS and no property) means your liabilities exceed your assets.
Should I include superannuation in my net worth?
Yes — your super balance is a genuine asset, though it is not accessible until retirement. Include it at your current account balance. For net worth calculations, most Australians include super; for liquid net worth (what you could access today), exclude it.
What is the median Australian net worth?
According to ABS data, the median net worth for Australian households is approximately $273,000 (all ages), rising to $737,000 for 55–64 year olds. These figures include superannuation. The average (mean) is significantly higher due to ultra-high-net-worth households skewing the data.
Is HECS debt included in net worth calculations?
Yes — HECS/HELP debt is a genuine liability and should be included in your net worth calculation. It reduces your net worth dollar-for-dollar. It is indexed to CPI annually and does not have an interest rate in the traditional sense, but it is a real obligation.
How often should I calculate my net worth?
Annually is sufficient for most people — tracking quarterly or more frequently can cause unnecessary anxiety over short-term market fluctuations. Many Australians use the end of financial year (June 30) or a birthday as an annual checkpoint. The trend over 3–5 years matters far more than any single snapshot.
Where these figures come from
Savings and interest figures on this page are drawn from the Reserve Bank of Australia (cash rate and published deposit averages), APRA (the deposit-taker regulator), and ASIC MoneySmart (consumer guidance).
- RBA cash rate — RBA — Cash Rate.
- Deposit interest-rate data — RBA — Retail Deposit and Investment Rates (F4).
- Financial Claims Scheme (deposit guarantee up to $250k) — APRA — Financial Claims Scheme.
- Compound interest & savings strategy — ASIC MoneySmart — Saving.
- Inflation & CPI — ABS — Consumer Price Index.
Last checked: April 2026. Rates and thresholds are reviewed against the source of record each November, when annual adjustments for the following tax year are published.