How can you build wealth if you can't see it?
NetWorth AU brings your assets, liabilities and net worth together in one place, helping you understand where you stand today and explore what your financial future could look like.
Go beyond tracking your wealth. Discover what's driving changes in your finances through Insights, see when your mortgage could be paid off, explore ways to become mortgage-free sooner, and investigate your options for early retirement — all from the comfort of your couch.
See your retirement journey unfold year by year, with key milestones for you and your partner. Explore when your super may become accessible, when you could become eligible for the Age Pension, and what your estimated monthly retirement income could look like.
Financial planning isn't easy, and we won't pretend otherwise. But understanding your finances is a powerful first step. NetWorth AU puts the information and tools in your pocket, helping you make sense of the numbers, explore your options and approach your financial future with greater confidence.
You can't plan what you can't see.
A clearer financial picture grows over time.
Set up your accounts once. Update their balances monthly, or whenever it suits you, and save a Snapshot — normally just a few minutes. NetWorth builds a dated history of your finances without asking you to record every coffee, bill or purchase.
Why your net worth changed
Demo · 1 Nov 2006 → 1 Oct 2011Real figures from the fictional Alex & Sam demonstration profile. The stepped contribution bars and account-by-account bridge follow NetWorth's Insights waterfall, not an invented performance chart.
“Our net worth increased. But was it our super, the family home, our investments or the mortgage we paid off?”
The waterfall connects the starting position with the ending position and shows the contribution from individual accounts along the way. Compare earlier snapshots to understand where progress actually came from.
What could you do next?
Financial planning is rarely one number. It's about whether a mortgage is getting easier, whether a payout changes your options, or whether retirement is becoming realistic. These are the questions NetWorth AU is built to help you explore.
Could you afford to retire at 55?
Inspect projected super balances, monthly retirement income and the years before Age Pension eligibility.
Redundancy · Job lossWhat if you lost your job tomorrow?
Explore a redundancy payout, cash reserves and the implications of stopping work sooner than planned.
Mortgage offset accountHow much is your offset really saving you?
Estimate the daily interest avoided and see how offset balances affect your mortgage payoff date.
Expat · Overseas retirementCould you retire overseas on Australian super?
Explore an overseas retirement strategy, projected income streams and the implications of different assumptions.
What does your mortgage really cost?
Australian home loans generally calculate interest daily. NetWorth uses daily mortgage interest calculations, offset balances, rate changes and repayment dates to project interest, payoff timing and the potential effect of paying extra.
See both the gross mortgage and the offset-adjusted balance. A change to your offset can reduce the interest charged without being presented as though it were a principal repayment.
Real Android screen · Demonstration figures
Actual Retirement Trajectory screen · Wattle Light
Could your money support the retirement you imagine?
A super balance by itself doesn't tell you what you'll live on. NetWorth AU projects retirement income by source — individual super accounts and pension drawdowns, dividends, savings interest, rental income and potential Australian Age Pension entitlements.
For couples, each person's super, retirement date and Age Pension eligibility can be different. Explore how income may change over time, including the Australian minimum pension drawdown percentages that change with age, and what could remain in your portfolio.
For Australians considering life overseas, the Expat strategy provides a separate way to explore retirement assumptions and available income.
Illustrative timeline from the demonstration. Preservation age, conditions of release and Age Pension means tests affect individual outcomes. A partner may qualify at a different time.
What if you received $100,000?
An inheritance. A redundancy payout. An insurance settlement. Or money from selling a property. The important question isn't just how much you received — it's what different choices could mean for your financial future.
Personal Sandbox uses a separate copy of your saved Live financial records and snapshot history. You can change figures, inspect outcomes and return to Live without changing your actual records.
Actual demo selection in Settings · Separate from Live financial data
Learn with a financial life you can explore.
Three Australian demo profiles follow Alex and Sam through different stages: a single renter building a foundation, a couple raising children and paying a mortgage, and a household approaching retirement. Each includes 60 monthly financial snapshots. Learn from the numbers before entering your own.
Your finances shouldn't become a daily chore.
NetWorth AU stores your financial records on your device. Bank connections are not required. When you want an additional copy, optional backups use your own Google Drive account; you can also export PDF reports and use file backups.
Update balances periodically, save a Snapshot and keep your own financial history. No daily expense tracking required.