Tools

Net worth calculator

A simple Australian net worth calculator. Add your assets and debts to see where you stand. Nothing is saved — your numbers stay in this browser tab.

Step 1

What you own

Cash and bank accountsEveryday accounts, offset, term deposits

SuperannuationMost recent statement balance

Shares, ETFs and managed fundsCurrent market value, not what you paid

PropertyEstimated current value of homes you own

VehiclesCars, motorbikes, boats — realistic resale value

Other assetsAnything else you could reasonably value

Subtotal$0

Step 2

What you owe

MortgageOutstanding balance across all home loans

Credit cardsTotal balance currently owed

Personal and car loansOutstanding principal

HECS-HELPLatest ATO balance

Buy now, pay laterAfterpay, Zip, Klarna and similar

Other debtsAnything else you owe

Subtotal$0

Estimated net worth

Your listed assets currently outweigh your listed debts. Net worth changes as balances move, so revisit this every few months.

How net worth works

Net worth is a snapshot of your financial position at a single point in time. It is the value of everything you own minus everything you owe.

A negative number is not unusual, particularly early in a mortgage or while paying down a HECS-HELP balance. What matters is the direction of travel — net worth measured every few months tells you far more than a single reading.

Frequently asked questions

What is net worth?

Net worth is the value of everything you own minus everything you owe. Add up your assets — cash, superannuation, investments, property, vehicles — then subtract your debts: mortgage, credit cards, personal loans, HECS-HELP and buy now pay later balances. The remainder is your estimated net worth.

Should I include my superannuation?

Yes. Super is money you own, even if you cannot access it yet. Use the most recent balance from your fund statement or member portal.

Should I include my HECS-HELP debt?

Yes. HECS-HELP is a real debt that reduces your net worth until it is repaid. Use the most recent balance on your ATO online account.

Is this calculator saved anywhere?

No. Nothing you enter is stored, sent to a server, or visible to anyone else. The calculation runs entirely in your browser and clears when you close the tab.

This calculator is general information only and does not constitute personal financial advice. Results are estimates and depend on the values you enter. Consider seeking advice from a licensed adviser before acting.

Skip the spreadsheet

Let Cove track your net worth automatically.

Cove connects to your Australian bank accounts through the Consumer Data Right and keeps your balances in sync. Your net worth updates as your accounts do — no spreadsheets, no manual entry. Start with 7 days free, then $12.99 AUD per month.

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