How Do I Compare My Net Worth to Others My Age?

1. Capture Your Current Snapshot

Start with an honest inventory of assets and liabilities:

• Liquid savings and offset accounts.
• Superannuation balances and investment portfolios.
• Property equity (principal residence and any investment properties).
• Outstanding debts including mortgages, HECS/HELP, credit cards, and personal loans.

2. Use Age-Based Benchmarks

Jump to our breakdown: Average Australia net worth by age to find the median and top quartile for your cohort. These figures help you set realistic targets without comparing yourself to households decades older.

3. Run The Percentile Calculator

Enter your numbers into the Finance Scorecard to receive a percentile rank. The calculator adjusts for age, giving a more useful comparison than a simple national median. Get the full walkthrough in our Australian net worth percentile calculators guide.

4. Interpret The Results

• Below median: concentrate on emergency savings, debt payoff, and super contributions.
• Around the 60th-75th percentile: you are on track; refine your investment mix and protect against downside risk.
• Top quartile and above: consider estate planning, tax optimisation, and longevity strategies.

5. Build An Improvement Plan

1. Set a short-term goal (e.g. grow cash buffer to three months of expenses).
2. Increase automated savings or super contributions where possible.
3. Reduce high-interest debt to lift your net worth velocity.
4. Review asset allocation annually to stay aligned with risk tolerance and age.

Try our finance scorecard

Use our finance scorecard to input your own figures and see how they compare to the benchmarks.

Keep Tracking Progress

Visit the main overview: Australian Net Worth Benchmarks & Comparisons for national context, and refresh your scorecard inputs every quarter to monitor improvement.