Building wealth, clearly explained.
Plain-English guides to net worth, financial independence and seeing your whole financial picture — written in Australia, for the way Australians build wealth.
Start with the Net Worth guide →
How to Track Your Net Worth in Australia
A step-by-step guide to working out and tracking your net worth in Australia — what to include, how to value each asset honestly, and whether a spreadsheet or an app is right for you.
How to Budget in Australia (A Method That Actually Sticks)
A simple, flexible way to budget in Australia — how to find your real spending, set a surplus you can invest, and connect budgeting to a bigger goal so it actually lasts.
How to Track Your Shares and ETFs in Australia
How to keep track of an ASX and global share and ETF portfolio in Australia — what to record, how to handle dividends, DRP and franking, and spreadsheet vs portfolio tracker.
What Counts as a Good Net Worth in Australia?
What a "good" net worth really means in Australia, using the latest official ABS wealth distribution — the median, the quintiles, and why the average misleads.
How Much Do You Need to Retire in Australia?
What a comfortable and a modest retirement actually cost in Australia, using the latest ASFA Retirement Standard figures — and the lump sums behind them.
How Much Super Should You Have at Your Age?
What the average Australian actually holds in super at each age, plus the ASFA benchmarks for a comfortable retirement — using the latest official figures.
How to Calculate Your FIRE Number in Australia
Your FIRE number is the amount of invested wealth that could cover your living costs indefinitely. Here's the simple way to estimate it — and the Australian details that change the answer.
Average Net Worth by Age in Australia
What the average and median Australian household is worth at each age, using the latest official ABS data — plus why the gap between the two numbers matters.
Net Worth vs Usable Equity: What's the Difference?
Your net worth and the wealth you can actually access are two very different numbers. Here's what usable equity means, how it's estimated, and why the distinction matters.