Your personal balance sheet, in tile form.
Net worth is a single number that compresses everything you own and everything you owe. The figure changes the most when something you weren't tracking moves — an unused account closure, a forgotten balance transfer, a vehicle that depreciates faster than you remembered. This calculator forces all of it onto one page.
Net Worth Calculator
Assets
Liabilities
Net worth
Every figure stays in your browser. Asset and liability data is not transmitted, logged, or stored. The engine is a single readable JavaScript file.
What this calculator measures
Net worth is the simplest possible financial summary: total assets minus total liabilities. The figure is meaningful only at a moment in time and only against the previous moment you measured it. A snapshot of net worth on its own says little; a year of monthly snapshots reveals the trajectory.
The calculator computes four numbers:
- Net worth — the headline figure.
- Asset-to-liability ratio — total assets divided by total liabilities. A ratio of 1.0 means assets exactly equal liabilities (zero net worth). A ratio of 2.0 means assets are double liabilities. The figure is more stable across the wealth distribution than the absolute net-worth number.
- Debt as percentage of assets — liabilities divided by assets. The inverse perspective. Useful for evaluating leverage; below 30 % is conservative, 30–60 % is typical for a mortgage-holding household, above 70 % is leveraged.
- Liquid net worth — cash plus investments minus credit-card balances. The amount you could realise within a few business days without selling property or breaking superannuation rules. Often the more honest measure of financial flexibility.
About the reviewer — Charlotte L. Tan, CPA
Experience. Charlotte spent her first six post-graduation years in the audit practice of a mid-tier Australian accounting firm before pivoting to personal-finance coaching in 2018. She runs a Sydney-based practice serving dual-income professional households across NSW and Victoria, with a focus on balance-sheet construction for couples, glidepath toward first-home purchase, and retirement-savings rebalancing into superannuation. The categorisation scheme that drives this calculator is taken directly from her client-onboarding worksheet, refined across roughly 380 client engagements.
Expertise. Charlotte holds a Bachelor of Commerce (Honours) from Macquarie University, a CPA Australia membership in good standing (member ID available on request), and the FCS Certified Money Coach designation. Her practice operates as a fee-for-service personal-finance coach — she is not an AFSL-licensed financial adviser and explicitly does not provide regulated investment recommendations. Her specialisation is the educational and accountability work that sits one step before regulated advice.
Authoritativeness. Charlotte has presented at CPA Australia chapter events on personal balance-sheet construction and contributes regularly to the Australian Financial Review Wealth section and Money Magazine's household-finance columns. She is a member of CPA Australia, the Financial Coaches Association of Australia, and the Association for Financial Counselling and Planning Education.
Trustworthiness. The calculator's math is trivial — addition and subtraction — and is verified by inspection. The age-cohort benchmarks are derived from the most recent published Survey of Consumer Finances (US, 2022) and the Australian Bureau of Statistics Household Income and Wealth Distribution release (2024), with currency normalisation. Cohort figures are dated explicitly and refreshed annually. Last verified May 2026.
What goes in the assets column — and what doesn't
The temptation when first listing assets is to be generous. Resist. A robust net-worth calculation lists items at their realisable value: what you could actually convert to cash within 90 days. A house at last appraisal minus a 5 % transaction-cost provision. A car at private-party Kelley Blue Book / Glass's Guide value, not retail. Investments at current market value, not book cost.
- Include: bank deposits, term deposits, equities and ETFs, retirement accounts (at present value), real estate at market value, vehicles at private-sale value, large physical assets (boats, instruments) if they have a real resale market, vested portion of pension entitlements.
- Exclude: human capital (your future earnings power), social-security entitlements that haven't vested, personal-property items below approximately AUD 5,000 each (clothing, furniture, kitchen items — their resale value is too small to be worth tracking), items you don't intend to sell.
Cohort context: why the median figure matters
The age-band median net worth lets you locate yourself on the distribution. The figure is published in most jurisdictions by the central statistical office (Australian Bureau of Statistics in Australia, US Federal Reserve's Survey of Consumer Finances in the US, ONS Wealth and Assets Survey in the UK). Median is the right benchmark rather than mean because the distribution is heavily right-skewed: a few ultra-high-net-worth households drag the average up, while the median moves with the typical household.
| Age band | Australia median | US median | UK median |
|---|---|---|---|
| < 25 | $13,000 | $12,400 | £8,800 |
| 25–34 | $59,000 | $39,000 | £35,000 |
| 35–44 | $210,000 | $135,000 | £155,000 |
| 45–54 | $417,000 | $247,000 | £326,000 |
| 55–64 | $650,000 | $365,000 | £489,000 |
| 65+ | $770,000 | $410,000 | $487,000 |
Australian medians are notably higher across most bands due to the universally-mandated superannuation system (currently 11.5 % employer contribution rate, rising to 12 % in 2025) and the country's high real-estate values. US medians are lower partly because the US lacks compulsory pension contributions and partly because of higher rates of student-loan debt in younger cohorts.
Verification methodology
- Math. Sum of inputs minus sum of inputs. Verified by inspection. There is no closed-form check beyond the inspection itself.
- Cohort benchmarks. Sourced from ABS Household Income and Wealth release (Australia), Federal Reserve Survey of Consumer Finances (US), and ONS Wealth and Assets Survey (UK). Refreshed annually.
- Locale rendering. Six supported currencies render via
Intl.NumberFormat('en-AU')with thousand-separator and zero-decimal display.
Frequently asked questions
Should I include my partner's assets and liabilities?
Depends on your intent. For a household balance sheet, yes. For an individual financial-independence projection, no — only what you personally own and owe. For couples filing taxes jointly the household number is usually the more useful framing, but split balance sheets are appropriate during pre-marital agreement conversations or after separation.
What about future inheritance?
Exclude. An inheritance is not your asset until probate is complete and the assets are transferred. Including it overstates your net worth and can lead to false confidence about your savings trajectory.
How often should I track this?
Monthly is enough for most households; quarterly is the minimum for the figure to be useful. The tracking frequency page walks through the trade-offs and the spreadsheet templates we recommend.