Net worth calculator
Add up what you own and what you owe. In under two minutes you'll know your total net worth — and how you compare to other Australians.
Enter your numbers above to calculate your net worth.
A one-time snapshot is useful, but the real power comes from watching your wealth grow over time. Know My Worth lets you log your balances monthly, visualise trends, and get AI-powered insights on what's working.
Start tracking freeHow does your net worth compare in Australia?
See where you stand against the latest Australian household wealth data.
The latest ABS national balance sheet shows total Australian household wealth of roughly $18.85 trillion, or about $865,000 per adult. The average adult holds around $1,021,000 in assets and $156,000 in liabilities. Property and superannuation are the two largest asset pools.
Source: ABS Australian National Accounts: Finance and Wealth and Grattan Institute modelling.
Common questions
What counts as an asset?
Anything you own that could be sold for cash: your home, investment properties, bank accounts, shares, superannuation, vehicles and valuable personal items.
Should I include my home?
Yes. Include the current market value of your home as an asset and the remaining mortgage balance as a liability.
How often should I calculate net worth?
Most people benefit from updating it monthly. That rhythm is frequent enough to spot trends without becoming a chore.
What's a good net worth?
It depends on your age, income and goals. The trend matters more than the absolute number — consistent growth is the sign of healthy finances.
What is the average net worth in Australia?
As of late 2025, the average Australian adult has a net worth of roughly $865,000, made up of about $1,021,000 in assets and $156,000 in liabilities, according to ABS data. The median is lower because a small number of very high-wealth households pull the average up.
Should I include superannuation in my net worth?
Yes. Superannuation is a financial asset and should be counted at its current balance. For many Australians it is the second-largest asset after the family home.
What is a good net worth by age in Australia?
Grattan Institute analysis suggests median household net worth is about $238,000 for those aged 25–40, $809,000 for those aged 41–64, and $817,000 for those aged 65+. These are medians, not targets — the right number depends on your goals, income and living costs.