The median Australian net worth is $164,000 for your age group (Under 35). Calculate yours in 90 seconds — see how you compare to every age bracket.
Felix tracks your net worth automatically across super, shares, property, and crypto — all in one app. Download Richify — free for Australians
Your Net Worth
$110,000
Median for Under 35
$164,000
Your Percentile
25th–40th
Total Assets
$130,000
Total Liabilities
$20,000
Excl. Primary Residence
$110,000
Next Milestone
$250,000
$140,000 to go
Felix tracks your net worth daily across super, shares, property, and cash — and builds a personalised plan to reach $250,000.
Track Your Net Worth in Felix — Free| Age Group | Median Net Worth | Context |
|---|---|---|
| Under 35 | $164,000 | First major wealth accumulation period |
| 35–44 | $380,000 | Career consolidation, property purchases |
| 45–54 | $610,000 | Peak earning years; super accelerating |
| 55–64 | $880,000 | Pre-retirement; super at maximum |
| 65+ | $850,000 | Post-retirement drawdown begins |
Source: ABS Survey of Income and Housing 2021–22. Median figures are more representative than averages due to wealth concentration.
Australia's wealth distribution is heavily skewed. The wealthiest 10% of households hold more than 50% of total household wealth. This means the average net worth is significantly higher than the median. For benchmarking your own position, the median is the more meaningful comparison — it tells you the midpoint where half of Australians in your age group have more, and half have less.
Include all financial assets you could reasonably convert to cash or income: superannuation, shares, ETFs, managed funds, property, savings, term deposits, and crypto. For liabilities, include everything you owe: home mortgage, investment loans, HECS-HELP, personal loans, credit cards, car loans, and buy-now-pay-later balances. Vehicles are typically excluded from net worth calculations as they depreciate rapidly, but you can include them under “Other Assets” if you prefer.
Net worth = total assets minus total liabilities. Assets include superannuation, shares, property, cash, and other investments. Liabilities include mortgages, HECS-HELP debt, personal loans, and credit card balances. The result shows your financial position at a point in time.
It depends on your purpose. Most financial planning benchmarks exclude the family home because you can't easily access that equity for living expenses. This calculator shows both figures — net worth including and excluding your primary residence — so you can compare to the appropriate benchmark.
According to ABS data (Survey of Income and Housing 2021–22): under 35 median $164,000, 35–44 median $380,000, 45–54 median $610,000, 55–64 median $880,000, 65+ median $850,000. Note that averages are significantly higher than medians due to wealth concentration at the top.
Yes — HECS-HELP is a real liability. Although it doesn't charge market-rate interest (it's indexed to CPI/WPI), it is money you owe the government. Including it in your net worth calculation gives you an honest picture of where you stand financially.
Quarterly is ideal for most Australians. Monthly can create unnecessary anxiety from short-term market fluctuations. The Richify app tracks your net worth continuously so you can see trends over time without manual recalculation.
Join 15,000+ Australians who use Felix to track their super, investments, and retirement goals in one place. Free download — takes 3 minutes to set up.
Download Richify — FreeNet worth = total assets minus total liabilities. Assets include superannuation, shares, property, cash, and other investments. Liabilities include mortgages, HECS-HELP debt, personal loans, and credit card balances. The result shows your financial position at a point in time.
It depends on your purpose. Most financial planning benchmarks exclude the family home because you can't easily access that equity for living expenses. This calculator shows both figures — net worth including and excluding your primary residence — so you can compare to the appropriate benchmark.
According to ABS data (Survey of Income and Housing 2021–22): under 35 median $164,000, 35–44 median $380,000, 45–54 median $610,000, 55–64 median $880,000, 65+ median $850,000. Note that averages are significantly higher than medians due to wealth concentration at the top.
Yes — HECS-HELP is a real liability. Although it doesn't charge market-rate interest (it's indexed to CPI/WPI), it is money you owe the government. Including it in your net worth calculation gives you an honest picture of where you stand financially.
Quarterly is ideal for most Australians. Monthly can create unnecessary anxiety from short-term market fluctuations. The Richify app tracks your net worth continuously so you can see trends over time without manual recalculation.