Net Worth Tracker Australia

Net worth is total assets minus total liabilities. Assets include everything you own (cash, investments, super, property, business). Liabilities include everything you owe (mortgage, car loans, credit cards, HELP debt). A positive net worth means your assets exceed your debts. Net worth is the foundation of any personal financial plan.

Yes — your home (PPOR) is an asset, even if it generates no income. Include it at current market value and subtract your outstanding mortgage as a liability. However, note that home equity does not generate cash flow, so it's classified as a non-productive asset. For financial independence planning, focus on productive assets (investments, rental property, business) that can generate passive income.

Liquid assets can be converted to cash quickly (within 1-7 days): savings accounts, offset accounts, ETFs, shares. Semi-liquid assets take 1-4 weeks: managed funds, bonds, Bitcoin. Illiquid assets take months or more: property (requires sale), business equity, superannuation (locked until preservation age). Your financial resilience depends heavily on your liquid buffer, not just total net worth.

Below 40% is considered healthy. Between 40–70% is elevated — manageable but worth monitoring. Above 70% is stretched, particularly if much of the debt is consumer debt rather than productive debt (investment loans). Property investors often have higher ratios, but the key is whether the debt is attached to income-producing assets.

Productive assets generate income or capital growth that funds financial independence: ETFs, shares, rental property, business equity, super (once accessible). Non-productive assets don't generate cash flow: your primary residence, personal vehicles, jewellery, art. A high allocation to non-productive assets means you may have high net worth on paper but limited passive income — which matters significantly for FIRE planning.

An emergency fund covers unexpected expenses (job loss, medical bills, car repairs) without needing to sell investments. The rule of thumb is 3–6 months of living expenses held in accessible accounts. This calculator shows your emergency runway based on liquid assets (offset, savings) divided by your monthly spend. Less than 3 months is a risk flag; more than 12 months suggests excess cash that could be invested.

An offset account is linked to your mortgage — the balance reduces the interest you pay. In net worth terms, the offset is counted as a cash/liquid asset on the asset side. The full mortgage principal is listed as a liability. This correctly shows your equity position: offset reduces the effective cost of your debt but doesn't reduce your gross liability on the balance sheet.

Yes, superannuation is your money — you're just restricted from accessing it until preservation age (60 for most Australians). Include your super balance as an asset. This tracker flags when super is locked (shows years to preservation age) so you understand the liquidity restriction. Super locked until 60+ should not be relied upon for a pre-60 retirement plan without a bridge portfolio.

LVR is the loan balance divided by the property value, expressed as a percentage. Lenders use LVR to assess risk. Below 60% LVR: strong equity, maximum borrowing power. 60–80%: standard lending territory. Above 80%: limited borrowing options, may require LMI (Lenders Mortgage Insurance). LVR also determines available equity — most lenders allow you to borrow against equity up to 80% of property value.

Available equity is the portion of your property value you can borrow against without exceeding 80% LVR. Formula: (Property value × 0.8) − Outstanding loan + Offset balance. Available equity can fund investment property deposits, debt recycling strategies, or business capital. The tracker shows your available equity at both 80% and 90% LVR thresholds.

This tracker categorises novated leases separately from consumer debt. A novated lease is a pre-tax salary packaging arrangement — structurally different from a personal loan or credit card. The tax benefit partially offsets the cost. Novated leases are not flagged as a red-flag risk factor the way credit card debt is. They appear in the debt quality section as a separate category.

Business equity is included as an asset in this tracker. A simple valuation method: use 2-3× annual profit for a service business, or 1× annual revenue for an early-stage business. Business equity is illiquid (sale takes months) and higher risk than listed investments. The tracker classifies business value as a productive but illiquid asset.