Finance & Pay
Net Worth Calculator
Calculate your personal net worth by entering your assets and liabilities, and compare your result to Australian median benchmarks for your age group.
Used to compare your net worth against ABS benchmarks for your age group
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FAQ
Frequently asked questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single most important measure of financial health. A positive net worth means your assets exceed your debts; a negative net worth (more common for young Australians) means liabilities exceed assets.
Should I include superannuation in my net worth?
Yes. The ABS includes superannuation in its net worth calculations, and this calculator follows that convention. Super is a real financial asset — it's just locked until preservation age. Including it gives you the most accurate picture of your wealth.
What is the median net worth for Australians?
According to ABS data (2021-22), median net worth varies by age: under 25 (~$35,000), 25-34 (~$150,000), 35-44 (~$500,000), 45-54 (~$850,000), 55-64 (~$1,100,000), and 65+ (~$1,000,000). These figures include superannuation.
How can I improve my net worth?
The two levers are growing assets (saving more, investing in growth assets like shares and property) and reducing liabilities (paying down high-interest debt first). Over time, compounding returns on investments and the paydown of mortgages naturally increase net worth for most Australians.
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