Net Worth Calculator
Track your assets and debts across super, offset, shares, property and more. Get personalised Australian tax-optimisation tips based on your age, super balance, and marginal tax rate.
Your Net Worth
Net Worth
$415,000
Assets
$935,000
Liabilities
$520,000
Debt/Asset
56%
Liquidity
3%
Tax-Advantaged %
80%
Assets
Liabilities
About You
Asset Allocation
Cash & savings$10,000 · 1%
Superannuation$80,000 · 9%
Shares / ETFs$20,000 · 2%
Primary home$800,000 · 86%
Vehicles$25,000 · 3%
Tax Optimization Tips
Your super ($80,000) is below the typical 35-year-old benchmark ($100,000). Consider concessional contributions ($30,000 cap 2025-26).
Super calculatorEst. value: ~$875/yr
Frequently asked questions
What counts as net worth in Australia?
Net worth = total assets minus total liabilities. Assets include super, offset balance, shares/ETFs, cash, home value, investment property and vehicles. Liabilities include mortgage, investment loans, HECS/HELP debt, credit cards and personal loans.
Should I include my primary home as an asset?
Yes — market value of the home is an asset, mortgage balance is the liability. Note your home is illiquid: selling costs 2-3% agent fees plus stamp duty on a replacement. The liquidity ratio in this tool separates liquid from illiquid holdings.
What's a good super balance by age?
Rough ASFA-aligned benchmarks: $30k by 30, $100k by 40, $250k by 50, $450k by 60. Below benchmark and you may want to make concessional contributions to catch up (cap $30k for 2025-26).
How do I improve my tax-advantaged % in Australia?
Maximize super (concessional $30k cap, earnings taxed at 15% vs marginal rate). Use an offset account against your home loan — interest saved is tax-free. For investment property, negative gearing and depreciation deductions are two key levers.
What Australian account types count as tax-advantaged?
Superannuation (earnings taxed 15% inside fund, 0% after 60). Offset account (saves interest tax-free at mortgage rate). Investment bonds (fund paid 30%, tax-free after 10 years). PPOR (CGT exemption).
Tax Accuracy & Sources
This calculator provides general net worth tracking and generic tax tips. It is not personal financial or tax advice.