Australian Net Worth Calculator
Enter your assets and liabilities to see your real Australian net worth — including super, SMSF, property and HECS/HELP, with everything in AUD.
Assets
$0
Liabilities
$0
Your Australian net worth
$0
All amounts in AUD. Calculation happens entirely in your browser — nothing is sent to our servers.
How to enter accurate numbers
- Use current market value for property — PropTrack, CoreLogic or Domain estimates. Not the purchase price.
- Enter superannuation at member balance — include all funds, not just your current one.
- For SMSFs, use the member balance as one line. The look-through breakdown is separate.
- Don't forget HECS/HELP — it's indexed, has no interest, but still subtracts from your wealth.
- Offset balances count as cash, not against the mortgage. Otherwise you'll double-count.
Want your net worth tracked automatically?
Auravest syncs Up Bank, property valuations, super balances, and share holdings continuously.
Frequently asked questions
What is my net worth in Australia?
Your net worth is total assets minus total liabilities. For Australians the formula is: cash + super (APRA and SMSF) + property market value + shares & ETFs + crypto + other assets, minus mortgages + credit cards + HECS/HELP + personal loans + margin loans. The Auravest calculator above runs this calculation in your browser — nothing is uploaded.
What's a good net worth in Australia?
Per the ABS Survey of Income and Housing, the median Australian household net worth was approximately $579,200 (2019–20 reference period), with the mean at $1.04 million. The gap reflects a long tail at the top end. Net worth generally peaks in the 55-64 age bracket as mortgages are paid down and superannuation compounds. See our full guide for benchmarks and method.
Should I include my super in my net worth?
Yes. Superannuation is mandatory, illiquid until preservation age, but for most working-age Australians it is the second-largest line on the household balance sheet after the family home. Excluding it understates your wealth by 30–40%.
Does HECS/HELP debt count?
Yes. HECS/HELP is indexed annually, has no interest, and isn't on your credit file — but it is still a real liability and reduces your take-home pay through compulsory repayments. Include the current indexed balance.
Is the calculator free?
Yes — completely free and ungated. No signup required. The calculation runs entirely in your browser. We don't store any of the numbers you enter.
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