Finance Scorecard

Stress-test your household finances across key benchmarks for Australia.

Save Your Financial Scorecard

When you sign up, we'll save your financial scorecard to your dashboard for tracking your progress over time.

Your scorecard

Net worth $540,000 · Assets $1,040,000 · Liabilities $500,000

2 dependants · dual income · risk adjustment ×1.35

Benchmark: 25–40 yrs old · $554,000 target (P75) · Current percentile ≈ P74

Keep building

Overall score79 / 100 pts

Actionable next steps

1. Optimise Your Financial Position

You're doing well overall - now focus on tax optimisation. Review tax-efficient strategies like maximising concessional superannuation contributions (within caps), franking credit optimisation, and considering capital gains tax planning. At your level, working with an accountant or financial adviser for annual tax planning can potentially save thousands.
Fine-tune your asset allocation for maximum efficiency. With your strong foundation, consider more sophisticated strategies like debt-recycling, rebalancing bands, or tax-location optimisation (placing tax-inefficient investments in tax-advantaged accounts). Small improvements in efficiency compound meaningfully over time.
Plan for legacy and advanced goals. Consider strategies beyond basic retirement savings: funding children's education through education savings plans, charitable giving (including salary sacrifice to charities), or estate planning strategies that minimise taxes. Your strong position allows you to think generationally.

2. Optimise Investment Allocation

Align your allocation with your age and risk tolerance. As a general rule, younger investors can handle more stocks (higher growth potential but more volatility), while those nearing retirement should gradually shift toward bonds and cash (lower returns but more stability). A common guideline is "120 minus your age" as your stock percentage.
Diversify across asset classes and geographies. Don't put all your eggs in one basket - spread investments across domestic and international stocks, bonds, real estate, and other asset classes. This diversification reduces risk because different assets perform well at different times in economic cycles.
Rebalance annually to maintain your target allocation. Over time, winning investments will dominate your portfolio while losers shrink. Rebalancing means selling some winners and buying some losers to return to your target allocation - this forces you to "buy low and sell high" systematically rather than emotionally.

Category breakdown

Grades use localised benchmarks.

Core categories

Savings rate

49% of after-tax income saved (goal 26%)

A+

96th percentile

Emergency fund

3.5 months runway (goal 5 months, 2 dependants, dual income; risk ×1.4)

66th percentile

Debt management

0% of annual after-tax income (target ≤ 12%)

A+

94th percentile

Net worth

$540,000 (age All households · $554,000 target @ P75 · current P73.9)

74th percentile

Income strength

$98,004/yr after tax vs median $75,000

83rd percentile

Advanced insights

Advanced insights are hidden as you have not provided the advanced inputs

Assets vs liabilities

$1,040,000 assets · $500,000 liabilities

Assets breakdown

Cash

1.9%

Investments

1.9%

Principal residence

96.2%

Liabilities breakdown

Home mortgage

100.0%

Why use this personal finance scorecard?

The Finance Scorecard is a free net worth tracker that benchmarks your assets, debts, savings rate, and emergency cushion against real household data. It highlights how your portfolio, cash flow, and protection metrics align with the habits of other families in various regions and stages of life. When you understand where you stand, you can prioritise debt payoff, investing, and insurance decisions that boost long-term wealth.

See how your investable assets stack up against local income percentiles.
Track debt-to-income and debt-to-asset ratios to maintain a resilient balance sheet.
Calibrate plans for single- or dual-income households and any number of dependants.
Model alternate regions to explore relocation or remote-work opportunities.

How the wealth tracking benchmarks work

We combine public datasets on after-tax income, regional cost-of-living adjustments, and age-based net worth multipliers to create a holistic financial health grade. Each category blends liquidity, investing, protection, and debt metrics so you know where to focus next. Update the sliders above to reflect your household and watch the insights refresh instantly.

Core inputs we analyse

Liquid savings and months of essential expenses covered.
Retirement and taxable investment balances relative to age.
Property equity plus other tangible assets compared to liabilities.

Build a personalised wealth roadmap

Pair this scorecard with regular budgeting and goal reviews. Schedule a monthly check-in to log cash flow updates, track investment contributions, and record major life changes. Use the region toggle to compare prospective moves or remote job offers, and export your data for conversations with financial planners, partners, or accountability groups.

Ready to go deeper? Explore free resources from Moneysmart and the Australian Bureau of Statistics to benchmark goals against national statistics.