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Net Worth Calculator
Net worth is the only single number that tells you whether the whole position is improving. Income tells you what you earn; net worth tells you what you have kept.
Includes superannuation · Leverage and liquidity shown
At a glance
Interactive calculator
Live — results update as you type
What you own
Market value today, not what you paid.
What you owe
Outstanding balances, not the original loan.
Net worth
$0assets less liabilities
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Reading the number properly
Super is your money
Include it. Most Australian households hold more wealth in super than outside it by their fifties, and leaving it out makes the balance sheet look far weaker than it is.
Leverage is not debt
A $2m property portfolio with $1.2m of debt is a $800,000 position with risk attached, not a $1.2m problem. The ratio matters more than the balance.
Liquidity is the hidden risk
Two households with identical net worth can have wildly different resilience. The one holding twelve months of accessible cash survives a job loss; the other sells assets at the worst possible time.
A homeowner with a $950,000 house
Home $950,000, shares $180,000, super $320,000, cash $60,000. Assets $1,510,000. Against a $520,000 mortgage and $8,000 of card debt, net worth is $982,000 with 35% leverage.
The number worth acting on is not the total. It is the $8,000 of card debt at roughly 21% sitting next to $60,000 of cash earning about 4%. Clearing the card from cash is a guaranteed 17% return, and it costs nothing to execute.
Net worth questions
Should I include my home in net worth?
Include it, but track it separately. Your home is an illiquid, undiversified asset that you need to live in. Plenty of advisers run two numbers: net worth including the home, and investable net worth excluding it. The second one pays for retirement.
How often should I recalculate?
Every six months, or whenever something structural changes — a property purchase, a redundancy, an inheritance. Monthly tracking creates noise without insight, because markets move and your decisions do not.
What is a good net worth in Australia?
Comparisons are usually unhelpful at the individual level, but as context: the median Australian household net worth sits near $600,000, heavily weighted toward the family home. A household in its fifties with $1m+ in investable assets is in a strong position.
Does superannuation count as an asset for the Age Pension?
Yes, once you are past preservation age and it is in pension phase. Account-based pension balances are assessable under both the assets and income tests, though the family home is exempt.
Should I use market value or purchase price?
Market value today, less selling costs if you want to be conservative. Purchase price tells you what you paid, not what you have.
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Turn these numbers into a decision
A calculator gives you a range. An adviser gives you a decision — pressure-tested against your super, your tax position and the life you actually want to fund.
General advice only · No obligation · No product push
This calculator provides an accounting snapshot only. It does not value assets, assess tax on unrealised gains, or account for the treatment of superannuation under social security rules. Values are self-reported.
Reviewed November 2026 · FY2026–27 rates and thresholds