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Net worth calculator — how do you compare with Australians your age?
Add up what you own, subtract what you owe, and see instantly where you sit against Australian households in your age group — as a single or a couple, with your home equity position, LVR, a projection to retirement, and a free downloadable PDF report.
Your details
Enter combined household totals (both partners if you're a couple) — benchmarks are per household. Leave anything that doesn't apply blank.
What you own
Current market value of all property you own
Your total super balance
Vehicles, business value, crypto, collectibles
What you owe
All property loans combined — joint or separate
Car loans, personal loans, credit cards, HECS
Calculations run in your browser — no sign-up needed. Details are only sent if you choose to download your PDF report.
Your result appears here
Net worth, your percentile against Australians your age, home equity position, and a projection to retirement — instantly, with no sign-up.
General education only — not financial, credit or tax advice. Percentiles are estimates modelled from ABS Survey of Income and Housing data indexed to 2026; see methodology below. Lenders assess applications individually.
Average net worth by age in Australia (2026)
Estimated household net worth by age of the household reference person. Median is the midpoint — half of households have less. The mean is much higher at every age because wealth concentrates at the top.
| Age group | Median net worth | Mean net worth | Top 10% starts at |
|---|---|---|---|
| Under 35 | $103,000 | $210,000 | $760,000 |
| 35–44 | $387,000 | $680,000 | $1,650,000 |
| 45–54 | $665,000 | $1,080,000 | $2,400,000 |
| 55–64 | $872,000 | $1,400,000 | $3,000,000 |
| 65–74 | $930,000 | $1,550,000 | $3,100,000 |
| 75+ | $778,000 | $1,310,000 | $2,600,000 |
| All households | $750,000 | $1,390,000 | $2,900,000 |
Estimates modelled from the ABS Survey of Income and Housing 2019–20 (median household net worth $579,200; mean $1.04m), indexed for residential property and superannuation growth to 2026 and cross-checked against HILDA wealth-module data and KPMG analysis of ABS national accounts. Not official ABS figures.
What actually moves the needle
For most Australian households, net worth is dominated by two things: home equity and superannuation. That makes the structure of your home loan one of the biggest levers you control:
- Pay less interest for the same house. A 0.5% rate difference on a $600k loan is roughly $3,000 a year — compounding into your equity instead of the bank's. Model it in the refinance playground.
- Shorten the loan, not just the rate. Extra repayments and offset balances cut years off the term — see pay off faster for the maths.
- Put usable equity to work. Below 80% LVR, equity can sometimes fund an investment property without cash savings — the investor hub explains how lenders assess it.
- Know what your property is worth. Equity starts with an accurate value — request a free property report.
Methodology & sources
Definition. Net worth = total assets (property at market value, super, cash, shares/ETFs, other) minus total liabilities (mortgages and other debt) — the same definition the ABS uses for household wealth.
Benchmarks. Percentile anchors per age band are modelled from the ABS Survey of Income and Housing 2019–20 — the most recent published ABS wealth survey — indexed to 2026 using residential property price growth and superannuation returns, and cross-checked against HILDA Wave 22 wealth estimates and KPMG's FY2024-25 household wealth analysis. Between anchor points we interpolate log-linearly, which suits the shape of wealth distributions.
Limits. These are population-level estimates for general education. Your percentile is approximate — household composition, city vs regional property markets, and business assets all shift the picture. Nothing here is financial, credit or tax advice.
Net worth questions, answered
Sitting on equity you're not using — or paying more interest than you need to?
A 15-minute call with Bishnu Adhikari can tell you whether your loan structure is building your net worth or someone else's.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.