Saving and Investing
Net Worth Calculator
Add up your assets and liabilities, including super, property equity and HELP debt, to calculate your current Australian personal net worth position.
Assets
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Liabilities
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Your results
Total assets$915,000.00
Total liabilities$562,500.00
Net worth$352,500.00
Asset-to-liability ratio1.63
| Category | Type | Amount | Share |
|---|---|---|---|
| Cash and savings | Asset | $15,000.00 | 1.64% |
| Property | Asset | $750,000.00 | 81.97% |
| Superannuation | Asset | $95,000.00 | 10.38% |
| Investments | Asset | $30,000.00 | 3.28% |
| Vehicles | Asset | $25,000.00 | 2.73% |
| Business assets | Asset | $0.00 | 0% |
| Other assets | Asset | $0.00 | 0% |
| Mortgage | Liability | $520,000.00 | 92.44% |
| Personal loans | Liability | $0.00 | 0% |
| Car loans | Liability | $18,000.00 | 3.2% |
| Credit cards | Liability | $2,500.00 | 0.44% |
| HELP debt | Liability | $22,000.00 | 3.91% |
| Tax debt | Liability | $0.00 | 0% |
| Other liabilities | Liability | $0.00 | 0% |
Calculation breakdown
- Net worth
- $915,000.00 − $562,500.00 = $352,500.00
Assumptions
- Asset values are entered at current estimated market value.
- Superannuation is included even though it's not accessible until retirement.
- Nothing you enter here is stored or transmitted — all calculations run in your browser.
- Ratio shows total assets divided by total liabilities.
How this calculator works
List everything you own and everything you owe. Net worth is simply total assets minus total liabilities, and tracking it over time is the clearest single measure of financial progress.
Frequently asked questions
Should I include superannuation?
Yes. It is your money, even though you cannot access it until preservation age.
Is negative net worth bad?
It is common early on, particularly with a HELP debt or a new mortgage. The trend matters more than the number.
Is my data stored?
No. Everything is calculated in your browser and nothing you enter is transmitted or saved.
Results are estimates only and are not financial, tax, legal or credit advice.
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