Wealth Tracker Australia — Super, ASX, Property & Crypto in One App
Most Australians have their wealth spread across superannuation, ASX shares, an investment property, savings, and maybe crypto — but no single view of what it all adds up to. Richify is the free Australian wealth tracker that brings all of it together in AUD, in minutes.
Quick Answer
Richify is Australia's best free wealth tracker app in 2026. It handles super, ASX stocks, investment property, HECS-HELP, savings, crypto, and vehicles — all consolidated in AUD. It benchmarks your wealth against ABS age-cohort data and provides AI-powered insights on how to grow it. No bank linking required.
Everything That Makes Up Australian Wealth
Superannuation
For most Australians over 35, super is the second-largest asset. Track your balance, employer contributions, and projected balance at 67.
ASX Shares & ETFs
Add your ASX-listed shares, ETFs (VAS, VGS, A200), and managed funds. See unrealised gains and your overall equity exposure.
Investment Property
Track property value minus outstanding mortgage to get true equity. Essential — housing is often 40-60% of Australian household wealth.
HECS-HELP Debt
A real liability that CPI-indexes annually. Include it to get an honest net worth figure, not an inflated one.
Crypto
Add BTC, ETH, and altcoin holdings. Included in net worth alongside traditional assets.
Cash & Term Deposits
Savings accounts, offset accounts, and term deposits all count toward your liquid wealth.
Why Australians Outgrow Spreadsheets
The most common Australian wealth tracker is a Google Sheet. Guided Investor, Passive Investing Australia, and dozens of Reddit posts have popularised the DIY spreadsheet approach — and for beginners it works. But most people stop updating their spreadsheet within 3 months. The problem isn't discipline, it's friction.
Monthly manual updates
A spreadsheet requires you to log in to every account, copy balances, and update formulas every month. Richify stores your structure — just update the numbers.
No insights
A spreadsheet shows what your net worth is. It can't tell you whether that's good for your age, what's dragging you down, or what to do next.
No mobile experience
Google Sheets on mobile is painful. Richify is a native app — update your super balance in 30 seconds from your phone.
Wealth Tracker Apps — Australia Comparison
| App | Super | HECS | AUD | Property | AI | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| PocketSmith | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ |
| FinancialAha | ✓ | ✓ | ✓ | ✓ | ✗ | ✗ |
| Frollo | ✗ | ✗ | ✓ | ✗ | ✗ | ✓ |
| Sharesight | ✗ | ✗ | ✓ | ✗ | ✗ | ✗ |
| Google Sheets | ✓ | ✓ | ✓ | ✓ | ✗ | ✓ |
Track your wealth with Richify
Free on iOS & Android. Super, HECS, ASX, property — all in AUD. No bank linking required.
Frequently Asked Questions
What is the best free wealth tracker app in Australia?▼
Richify is the best free wealth tracker built for Australians in 2026. It tracks superannuation, ASX shares, investment property equity, HECS-HELP debt, crypto, and cash — all in AUD. Unlike PocketSmith (budgeting only) or Sharesight (shares only), Richify combines every asset class into one net worth view with AI-powered insights.
Can a wealth tracker include superannuation?▼
Yes — and it should. For most Australians aged 35+, super is the second-largest asset after the family home. Any wealth tracker that ignores super gives you a dangerously incomplete picture of your financial position. Richify lets you add your super balance manually and tracks its growth alongside your other assets.
Should I include HECS in my wealth tracker?▼
Yes. HECS-HELP is a real liability — it's indexed to CPI annually and comes off your gross salary via compulsory repayments once you earn above the threshold ($51,550 in 2025-26). Including HECS in your liabilities gives you an accurate net worth figure. Richify tracks HECS alongside your mortgage, car loans, and credit cards.
What's wrong with tracking wealth in a Google Sheet?▼
A spreadsheet requires you to manually update every balance every month — most people do this 2-3 times then stop. It also can't give you AI-powered insights or benchmark your wealth against Australians your age. Richify keeps your wealth picture current with minimal effort and adds context a spreadsheet can't.
What is the average wealth by age in Australia?▼
According to ABS Survey of Income and Housing (2022-23): median net worth for 25-34 year olds is approximately $175,000; for 35-44 it's $420,000; for 45-54 it's $680,000; for 55-64 it's $900,000. Super is typically the largest single asset for Australians in their 40s and 50s.
See your total wealth in one view
Free. No bank linking required. Set up in 5 minutes.
Track My Wealth Free →For educational purposes only. Not financial advice.