Preparing for a conversation
Use a household snapshot to see the figures you need to explain to a family member or professional. Take the relevant statements too: the total cannot establish their accuracy or ownership.
Net worth calculator
Free to use · No loginNet worth is the value of what you own less what you owe. Enter your figures to see a snapshot in Australian dollars, then check the records behind the result.
Your figures, in Australian dollarsHow to use this tool
Inputs stay in this browser tab and clear on reload. Download if you want to keep a copy.
User-entered estimate in AUD. No sale costs, tax, borrowing eligibility or state-specific rules are calculated. General information, not personal financial, tax or legal advice.
Follow the tool, step by step
How to calculate your net worth
Choose a guide below. Follow the labelled screenshot, then try it with your own information.
Step 1 of 3
How to enter your assets
Choose Household, Individual or Entity so all values use the same scope. Enter current property, superannuation, savings, investments and other asset values under What you own. For an individual view, use the amounts attributable to that person. Blank amounts count as zero.
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Step 2 of 3
How to add your debts
Under What you owe, enter outstanding mortgages, investment loans, personal loans and other debts for the same scope. Count each debt once. Do not add home equity as a separate asset when the property value and mortgage are already included.
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Step 3 of 3
How to save your snapshot
Select Calculate net worth, check the asset and liability totals, then download your snapshot if useful. Changing an input clears the previous result so you can calculate again. Keep the source dates with your downloaded file.
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Worked example
A household snapshot
A$850,000 of assets minus A$350,000 of liabilities gives A$500,000. The property contributes its full recorded value; adding its equity again would count the same wealth twice. This example omits other holdings to make the arithmetic easy to follow.
Follow the inputs
- Property
- A$800,000
- Cash and savings
- A$50,000
- Mortgage
- A$350,000
A$500,000 estimated net worth
FINANCIAL PORTFOLIORecorded net worthA$850,000Assets less liabilities
One
picture
picture
PropertySuperSavings
Dated asset valuesOwners and source filesTake the next step with Financial Portfolio
Keep the records behind your number.
A snapshot answers today’s question. Financial Portfolio connects the assets and liabilities behind it to their owners and supporting documents. Maintain the records yourself as new statements arrive, and review the wider picture from your dashboard.
- Dated asset values
- Related liabilities
- Owners and source files
App access is currently through the waitlist. Keep your download for reference. Tool entries are not sent to the app or imported automatically.
How to use it
Choose whether this is your personal or household view. Enter current asset values for property, superannuation, cash, investments, business interests and other holdings relevant to that scope. Add outstanding mortgages, investment loans and other liabilities. Use the same valuation date where practical; include each asset and loan once. For jointly held assets, include only the share relevant to your chosen scope or use a household scope consistently. Do not add a property's equity as a second asset after entering both its full value and the mortgage.
How the result is calculated
Total assets − total liabilities = estimated net worth. A result of A$850,000 in assets less A$350,000 in debt is A$500,000. This is a user-entered estimate, not a sale price, tax calculation, forecast or advice. No state-specific tax or benefit rules are applied, so the same arithmetic covers all six states and both territories. ASIC Moneysmart uses the same assets-and-debts method.
What next?
Save your source dates outside the calculator. To maintain a connected record of the assets, loans, owners and documents behind the number, explore the net worth dashboard and asset records and liability records in Financial Portfolio.
Check these details before you rely on the result
- Use balances outstanding rather than original loan amounts or credit limits.
- Include a jointly held item once in a household view; use the relevant share consistently in an individual view.
- A positive total is not necessarily available cash. Property and superannuation have different access conditions.
Your information and your next step
The tool runs in this browser tab. Your inputs are not sent to Financial Portfolio, stored in a user account or passed through the signup link. A reload clears the working state. Download a CSV if you want a copy, and keep it somewhere appropriate for the information it contains.
Financial Portfolio can help you maintain related records, but this public result does not create a portfolio or verify a source document. Read the privacy policy and terms of use, or visit the Help Center for product questions.
Put the result to work
Use it for the conversation you need to have.
Comparing two dates
Repeat the calculation using the same categories and scope. Keep both downloads and their source dates. A change may reflect a repayment, a revised valuation or a missing entry; the calculator cannot identify the reason by itself.
How do I calculate household net worth in Australia?
Include the household's assets and debts once, then subtract debts from assets. Decide how you will treat jointly held or entity-owned items before entering them.
Does superannuation count as an asset in a net worth calculation?
It is commonly included as an asset in a broad net worth snapshot. Use the value in a recent statement and remember that access, tax and benefits rules are separate questions. Moneysmart explains superannuation.
Why is my calculator result different from my wealth tracker dashboard?
Look for a different valuation date, missing liabilities, duplicate entries or a different personal/household scope. The dashboard depends on the records you maintain.
From a useful start to connected records
Give your financial information a place to stay organised.
Explore how Financial Portfolio connects the assets, debts, people and paperwork you maintain.