Track assets, debts, and tax-advantaged %
Track across super, offset, shares, property and more. Get personalised Australian tax-optimisation tips based on your age, super balance, and marginal rate.
02 —RESULTS
Your Net Worth
Net Worth
$415,000
Assets
$935,000
Liabilities
$520,000
Debt/Asset
56%
Liquidity
3%
Tax-Advantaged %
80%
Share
01 —INPUTS
Assets
Liabilities
About You
03 —BREAKDOWN
Asset Allocation
Cash & savings$10,000 · 1%
Superannuation$80,000 · 9%
Shares / ETFs$20,000 · 2%
Primary home$800,000 · 86%
Vehicles$25,000 · 3%
Tax Optimization Tips
Your super ($80,000) is below the typical 35-year-old benchmark ($100,000). Consider concessional contributions ($30,000 cap 2025-26).
Super calculatorEst. value: ~$750/yr
FAQ
What counts as net worth in Australia?
Net worth = total assets minus total liabilities. Assets include super, offset balance, shares/ETFs, cash, home value, investment property and vehicles. Liabilities include mortgage, investment loans, HECS/HELP debt, credit cards and personal loans.
Should I include my primary home as an asset?
Yes — market value of the home is an asset, mortgage balance is the liability. Note your home is illiquid: selling costs 2-3% agent fees plus stamp duty on a replacement. The liquidity ratio in this tool separates liquid from illiquid holdings.
What's a good super balance by age?
Rough ASFA-aligned benchmarks: $30k by 30, $100k by 40, $250k by 50, $450k by 60. Below benchmark and you may want to make concessional contributions to catch up (cap $32,500 for 2026-27).
How do I improve my tax-advantaged % in Australia?
Maximize super (concessional $32,500 cap, earnings taxed at 15% vs marginal rate). Use an offset account against your home loan — interest saved is tax-free. For investment property, negative gearing and depreciation deductions are two key levers.
What Australian account types count as tax-advantaged?
Superannuation (earnings taxed 15% inside fund, 0% after 60). Offset account (saves interest tax-free at mortgage rate). Investment bonds (fund paid 30%, tax-free after 10 years). PPOR (CGT exemption).
Related calculators
Investment Property Calculator Rental income and negative gearing Retirement Planner Model ETF and property paths to early retirement Downsizer Contribution Up to $300k from home sale into super Rentvesting Calculator Buy your home vs rent + invest — state-aware duty, FHOG, depreciation, CGT Property Portfolio Projection 10-year multi-property projection with holistic tax Retirement Calculator Estimate retirement age and Coast FIRE with adjustable return, inflation and withdrawal-rate assumptions
Tax Accuracy & Sources
Reviewed: March 2026 · Tax year: 2026-27
This calculator provides general net worth tracking and generic tax tips. It is not personal financial or tax advice.