Independent personal balance-sheet reference, reviewed by a working CPA.
fafinance.xyz is a single-purpose project: a net worth calculator with a tile-based asset/liability layout, surrounded by reference material that an Australian CPA who coaches households through balance-sheet construction is willing to put her name on.
Why this site exists
The single most under-used number in personal finance is net worth. Most households can recall their salary to within $1,000. Most cannot estimate their net worth within $50,000. The figure is foundational — you cannot manage what you do not measure — but it is hidden behind the friction of summing scattered accounts.
fafinance.xyz removes the friction. The calculator's tile layout maps directly to the accounts you will read figures from: bank balances, brokerage statements, super balances, mortgage statements, credit card balances. The output is the four numbers worth tracking: net worth, the asset/liability ratio, debt as a percentage of assets, and liquid net worth.
Editorial principles
- Math by inspection. Net worth is addition and subtraction. We do not introduce complexity beyond what the math requires.
- Conservative valuation. Assets at realisable value (90-day liquidation), not aspirational value. Liabilities at current balance.
- Named accountability. Charlotte Tan, CPA, is the responsible reviewer. Her CPA Australia membership is verifiable on request.
- No commission relationships. The site does not earn referral fees from any platform, broker, or financial product.
- Privacy by architecture. Asset and liability figures stay in your browser.
The team
fafinance.xyz is operated as a one-person editorial project alongside Charlotte's coaching practice. Charlotte reviews every release of the calculator and every page of reference content before publication. She holds final editorial authority and is the named accountable person for every figure on the site.
A part-time research assistant in Melbourne maintains the cohort-benchmark refresh pipeline (downloading the annual ABS Household Income and Wealth release and refreshing the bundled tables). The assistant is named in the public changelog only when their input has produced a substantive change.
Verification methodology
- Math. Verified by inspection. The calculator implements
net_worth = sum(assets) − sum(liabilities)with no algebraic transformations. - Cohort benchmarks. Sourced from ABS Household Income and Wealth (Australia), the Federal Reserve Survey of Consumer Finances (US), and ONS Wealth and Assets Survey (UK). Currency-normalised at the publication-date exchange rate.
- Refresh. Cohort tables refreshed annually after each agency's annual release.
- Currency rendering. Six supported currencies render via
Intl.NumberFormat('en-AU')for AUD-style separators.
What this site is not
- Not financial advice. Charlotte is a fee-for-service personal-finance coach, not an AFSL-licensed financial adviser. The site does not provide investment, tax, or product recommendations.
- Not a wealth aggregator. We do not connect to your bank accounts, brokerages, or super accounts. You enter figures manually.
- Not a budgeting tool. Net worth is a stock; budgeting is about flows. Different problem.
- Not for tax preparation. Australian Tax Office reporting requires specific valuations and timings that this calculator does not produce.
Get in touch
Calculation queries, cohort-benchmark discrepancies, content corrections, and partnership enquiries are all handled through the contact page. We commit to acknowledging every well-formed message within 24 business hours.