The Net Worth Tracker built for Australians
Property, super, SMSF, shares, crypto and Up Bank — one dashboard, continuously valued, with an AI assistant that actually knows your numbers.
Read-only · Up Bank API · SMSF look-through · No card required
Net worth isn't a US concept ported over
Most net worth trackers were built in the United States and miss the four things that dominate Australian household balance sheets:
- Superannuation. Mandatory, illiquid, often the second-largest line after the home.
- SMSF look-through. The fund is one entity; the underlying holdings are what move with markets.
- HECS/HELP. No credit file, no interest, indexed annually — and still a real liability.
- Property equity. CGT-free on the primary residence and AVM-estimated, not entered by hand.
Median Australian household net worth
$579,200
ABS Survey of Income and Housing, 2019–20 reference period. Mean: $1.04 million. The gap shows the long tail at the top.
How to calculate yoursWhat you get
Property valued automatically
PropTrack and CoreLogic AVM estimates keep your home and investment properties marked-to-market — no monthly spreadsheet refresh.
SMSF look-through
Track your SMSF member balance and the underlying assets — shares, property, crypto, cash — so allocation views are honest.
Up Bank direct API
Connect Up via your Personal Access Token. Everyday, Savers, and 2Up balances and transactions sync read-only.
Net worth history charted
From the day you connect, every change in property value, super balance, or holding gets stitched into one timeline.
AI wealth assistant
Ask 'how much of my wealth is in property?' or 'what's my SMSF allocation?' and get an answer grounded in your own data.
Read-only and Australian-hosted
Every integration is read-only. No money movement, no credential storage. AES-256 at rest, TLS in transit.
Every asset and liability that matters
The Australian net worth formula is simple — assets minus liabilities. Getting the line items right is the work.
Assets
- Up Bank Everyday, Savers, 2Up
- Other AU bank accounts (manual + CSV)
- APRA-regulated super funds
- Self-managed super funds (SMSF look-through)
- Owner-occupier and investment property
- ASX shares (CHESS-sponsored)
- Custodial brokers (Stake, Superhero, Sharesies)
- AU and international ETFs and managed funds
- Crypto wallets and exchanges
- Vested employee shares and options
- Private business equity
- Term deposits and HISA
Liabilities
- Owner-occupier mortgage
- Investment property loans
- Credit cards and BNPL
- HECS/HELP (indexed)
- Personal loans
- Margin loans
- Deferred Division 293 tax
Australians ask
What is the best net worth tracker for Australians?
The best Australian net worth tracker is one that handles superannuation (including SMSF look-through), property, HECS/HELP, and direct Up Bank API in a single view. Auravest was built specifically for the Australian household balance sheet — most US-built apps miss super and property valuation, and most AU-built apps focus on either investments (Sharesight) or budgeting (PocketSmith), not the whole picture.
Does Auravest connect to Australian banks?
Yes. Auravest integrates directly with Up Bank via the official Personal Access Token API for read-only sync of Everyday, Savers, and 2Up accounts. For other Australian banks we support manual entry and CSV import while we expand open banking coverage.
Can I track my SMSF in Auravest?
Yes. Auravest supports SMSF tracking with look-through. You can enter your SMSF member balance for a clean net worth line, and separately record the underlying assets (shares, property, crypto, cash) so your allocation view is accurate. Total Australian super assets reached $4.5 trillion as of December 2025 — getting SMSF treatment right matters for high net worth households.
Is my financial data safe with Auravest?
Yes. Auravest only ever has read-only access to your data. We use official APIs (Up Bank Personal Access Tokens) instead of screen-scraping, encrypt data at rest with AES-256, and use TLS 1.3 in transit. We cannot move money or initiate payments from any connected account.
How is Auravest different from Sharesight, PocketSmith, or WeMoney?
Sharesight tracks investments. PocketSmith forecasts cashflow. WeMoney focuses on credit scores and debt. Auravest is the only Australian wealth tracker that unifies property valuations, SMSF look-through, Up Bank, shares, super, and crypto with an AI assistant. See our comparison pages for detailed feature-by-feature breakdowns.
Does Auravest include a free net worth calculator?
Yes — our free Australian net worth calculator at /tools/net-worth-calculator-australia is ungated and lets you compute your number without signing up. The full tracker (with auto-syncing balances, historical charts, and AI assistant) is the paid product.
Start tracking your real net worth
Free to start. Connect property, super, SMSF, shares and crypto in minutes.