Net Worth Calculator
Calculate total personal net worth by balancing assets against liabilities.
Last reviewed by the myCalculator Editorial Team
Input Parameters
Calculation Results
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Formula & How Net Worth Calculator Works
Net worth is everything you own minus everything you owe. Add up your assets: cash and savings, the market value of your home and investments, superannuation, a car and other valuables. Then add up your liabilities: mortgage, car and personal loans, credit card balances and any HECS-HELP debt. If your assets total $650,000 and your liabilities total $420,000, your net worth is $230,000. Track the figure once or twice a year, using the same method each time, to see the trend rather than reacting to month-to-month market moves. Superannuation is usually included, but remember you cannot access most of it until you reach preservation age.
- Enter Real Estate Value ($): Input your target parameter value.
- Enter Cash & Savings ($): Input your target parameter value.
- Enter Superannuation ($): Input your target parameter value.
- Enter Shares & Investments ($): Input your target parameter value.
- Enter Mortgage Balance ($): Input your target parameter value.
- Enter Car Loan & Personal Debt ($): Input your target parameter value.
- Apply Formula: Calculate using
Net Worth = Total Assets - Total Liabilities. - Review Results: View exact computed answers, metrics, and worked mathematical proofs.
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Frequently Asked Questions (FAQs)
Should superannuation be included in net worth?
Yes, super is a mandatory preserved financial asset.
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Authoritative Standards & Verified Reference Citations
Calculations and mathematical logic on this page are grounded in published statutory rules, regulatory standards, and official government data published by the following bodies:
Consumer guidance on mortgage borrowing capacity, compound interest formulas, and loan fees.
Official cash rate target announcements, monetary policy statements, and national economic statistical data.
Official U.S. Federal Funds Rate and comprehensive macroeconomic time-series data.
Key Eurozone interest rates, deposit facility rates, and monetary policy operations.
Residential mortgage serviceability buffer framework (3.0% stress test hurdle rate).
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