Net Worth Percentile Calculator (Australia)

Your net worth percentile is the share of Australian households your age with less wealth than you. To work it out: (1) add up every asset — home, investment property, super balance, ASX shares and ETFs, cash and offset, vehicles and business interests; (2) subtract every liability — mortgage, HECS-HELP, car and personal loans, credit cards; (3) compare the result to the benchmark distribution for your age band. This calculator does that interpolation for you: enter your age and net worth and it returns your percentile against Richify's ABS SIH 2019-20 + HILDA Wave 22 distribution (indexed to 2026, including super and home equity).

It rises steeply with age. Using the 99th-percentile (top 1%) estimates: 30–34 ≈ $3.0M | 40–44 ≈ $7.0M | 50–54 ≈ $11.0M | 60–64 ≈ $15.0M. These are Richify estimates from a HILDA Wave 22 cross-tabulation indexed to 2026 (the ABS publishes the 90th percentile but not the 99th publicly), so treat them as well-grounded benchmarks rather than exact cut-offs. The gap between the top 10% and the top 1% widens sharply with age — by 60+, the top-1% threshold is roughly 3.7× the top-10% threshold, reflecting how wealth concentrates at the very top.

The 90th-percentile (top 10%) thresholds, including super and home equity: 30–34 ≈ $1.1M | 35–39 ≈ $1.8M | 40–44 ≈ $2.4M | 45–49 ≈ $2.9M | 50–54 ≈ $3.4M | 55–59 ≈ $3.8M | 60–64 ≈ $4.1M. Crossing the top-10% line at any age usually means substantial Sydney or Melbourne home equity, a sizeable investment property or share portfolio, or business ownership. The threshold climbs with age because super and property compound — a top-10% 30-year-old and a top-10% 60-year-old are nearly four times apart.

Age-dependent. A $1,000,000 household net worth sits near the 88th percentile for the 35–39 band, around the 70th–75th percentile for 45–49, and roughly the 60th percentile for 55–59 (Richify estimates, incl. super and home equity). For Australians under 35 it is comfortably top 10%. Because Australian net worth includes super — often the second-largest asset after the home — many households cross $1M in their 50s largely on super and home equity combined. Enter $1,000,000 and your exact age above to see the precise figure for your band.

Yes. The ABS/HILDA methodology these figures follow counts all assets — principal home and investment property, super balance, shares and ETFs, cash, business interests, vehicles and contents — minus all liabilities (mortgage, HECS-HELP, credit cards, personal loans). Super is typically the second-largest asset after the home, and at ages 55–64 it often equals or exceeds home equity for median Australians. If you want your 'investable' percentile (liquid assets that fund retirement), subtract your home equity before entering a figure and expect a lower ranking — many Australians are house-rich but wealth-light outside the family home and super.

It's a piecewise-linear interpolation between the 10th, 25th, 50th, 75th, 90th and 99th percentile estimates for your age band, so the cited thresholds anchor it and the in-between values are close. The underlying figures are Richify estimates derived from the ABS Survey of Income and Housing 2019-20 (the most recent valid ABS wealth release — the ABS did not proceed with SIH 2023-24) combined with the HILDA Survey Wave 22 (2022) wealth module, indexed to 2026. They are modeled estimates, not an official ABS release, and Australia publishes household-wealth data far less often than the US or Canada. Figures are nominal AUD and include super and home equity. Treat the output as a well-grounded benchmark, not a precise ranking of every household.