Net worth calculator for Australians
Add up what you own, take off what you owe, and see roughly where that puts you against every other household in Australia, on the ABS Survey of Income and Housing. Rough figures are fine. Nothing here is saved and no account is needed.
What net worth puts you in the top 10% in Australia?
The household net worth at the top of each band, from the ABS's 2019–20 survey. A household at the median, $579,200, has more than half the country; the top 10% starts at about $2.26 million.
| Band | Starts at (household net worth) |
|---|---|
| Top 10% | $2,257,700 |
| Top 20% | $1,447,800 |
| Top 30% | $1,052,400 |
| Top 40% | $789,100 |
| Top 50% | $579,200 |
| Top 60% | $411,500 |
| Top 70% | $248,300 |
| Top 80% | $113,400 |
| Top 90% | $36,900 |
About 2% of Australian households have a net worth below zero. The calculator interpolates between these published points and never extrapolates past them; above $10 million it says "top 1%" and stops.
How the comparison is worked out
Your net worth is every asset you entered less every debt, the way the ABS measures it: the home counts, and so does the mortgage against it; super counts even though it is locked away. That total is placed on the ABS distribution of all Australian households to give a band, and against the median for a household like yours, which the ABS publishes by household type and age: a couple with children under 45, a lone person aged 45 to 64, and so on.
The full by-age figures, and why the average is so much higher than the median, are in average net worth by age in Australia. For what "good" means at your stage, see what counts as a good net worth. For the difference between what you are worth and what you can actually use, see net worth vs usable equity.
Common questions
What is net worth?
Everything you own minus everything you owe. Property, super, shares and ETFs, cash, crypto and any business interest on one side; the mortgage, investment loans, HECS, car and personal loans and credit cards on the other. The number left over is your net worth, and it can be negative.
What is the median net worth in Australia?
About $579,200 per household, on the ABS Survey of Income and Housing for 2019–20, the most recent full wealth survey. The average is much higher, about $1,042,000, because a small number of very wealthy households pull it up. The median is the fairer comparison.
What net worth puts you in the top 10% in Australia?
About $2.26 million in household net worth (ABS 2019–20). The top 20% starts near $1.45 million, the top 30% near $1.05 million, and the top 5% roughly $3.5 million. Typical wealth has grown since the survey, so the real thresholds today are a little higher.
Does superannuation count in net worth?
Yes. The ABS counts it and so does this calculator. For most Australians it is the first or second largest asset they own, even though it is locked away until preservation age.
Does the family home count?
Yes, at its value less what is still owing on the mortgage. That is how the ABS measures household wealth, so it is the only honest basis for a comparison. Whether that equity is usable is a separate question, covered in the net worth vs usable equity guide.
Why does it say "roughly"?
Three reasons. The survey is from 2019–20 and typical wealth has grown since, so a household is likely a little lower today than the figure shown. The percentiles between the published points are interpolated. And it is a household comparison built from rough totals. It is a mirror, not a ranking to chase.
Is this financial advice?
No. It is a calculator that shows you your own numbers against published statistics. It does not know your circumstances and does not recommend anything. Compound is a tracking tool operated by Sabea Tech Pty Ltd, which does not hold an AFSL.