The Wealth Check: score your finances out of 10.
Nine scored areas across the things that actually decide financial health (buffer, debt, super, investments, protection, estate, the plan and how money feels day to day), plus three quick context questions so the next steps fit your goals and situation. Your score, the flags holding it back and the pathways people in your position usually explore show up immediately, on screen, no email wall.
2 minutes. 9 scored areas. One real score.
Free. No sign-up. No email wall.
About you·Goals
What do you want your money to do next?
Tick everything that's on the list. Goals don't move the score. They decide which pathways show with your result.
About you·Context
First, which of these fit you?
Tick everything that's true. This doesn't move the score; it makes the next steps actually fit your situation.
Where you stand·Net worth
How well do you know your household net worth?
Everything you own minus everything you owe: the scoreboard behind every other answer here.
Where you stand·Buffer
If your income stopped tomorrow, how long could you cover the essentials?
Cash you could reach within days: savings, offset, redraw.
Making money work·Debt
Which of these describe your debts right now?
Tick everything that applies.
Making money work·Super balance
Roughly where does your super sit today?
Combined across accounts (and partners, if you plan together). It doesn't move the score. It changes which strategies are even on the table.
Making money work·Super
And how hands-on are you with it? Which of these are true?
Tick everything that applies. For most people super is the second-biggest asset they own.
Making money work·Investing
Outside super, where does investing sit?
Tick everything that applies. This is the wealth that funds life before preservation age.
Protecting it·Protection
If illness or injury stopped you working, what's actually in place?
Tick everything you hold. Default cover inside super counts, but tick the review line only if someone has sized it to your real debts and dependants.
Protecting it·Estate
If something happened to you tomorrow, what paperwork is ready?
Tick everything that's current.
Pulling it together·Plan
And the plan holding it all together: what does it look like?
The thing that decides whether the other answers point in the same direction.
Pulling it together·Control
Last one. Day to day, how does money actually feel?
The validated wellbeing scales all end up here: not what you have, but whether it runs you or you run it.
Your shape, live
0 of 12 answeredYour score builds here.
Tap an answer on any question to begin.
Each scored answer pulls the shape outward. The dashed ring is the strong mark.
How the score is worked out.
Nine scored areas, each marked out of 1 and averaged, then multiplied by ten. The three context questions (goals, situation, super band) carry no score at all: they only decide which pathways show with your result.
| Band | Score out of 10 | What it means |
|---|---|---|
| Optimising | 8.5 to 10.0 | The foundations are set and working. At this level the wins are in fine-tuning: tax structure, contribution strategy, and making sure the plan survives a bad year. |
| Compounding | 6.5 to 8.5 | You're ahead of most. The machine is built and running. The gap between here and optimised is usually structure: where assets sit, whose name they're in, and how tax-efficiently money moves. |
| Building | 4.0 to 6.5 | Real progress with real gaps. One or two of the flags below are quietly expensive. Closing them is usually worth more than picking better investments. |
| Foundations first | 0.0 to 4.0 | No judgement: almost everyone starts here. The flags below are in rough priority order, and the first two or three are usually fixable within a month. |
The same bands the tool above reads. The score weighs the nine areas equally and knows nothing about your income, age or goals, so it is a conversation starter, not a verdict.
The nine scored areas, and what a full mark looks like.
| Area | Stage | What scores full marks |
|---|---|---|
| Net worth | Where you stand | I track it, and it's trending up |
| Buffer | Where you stand | Six months or more |
| Debt | Making money work | An offset or split structure I actively use; Deductible investment debt (property, shares) |
| Super | Making money work | I know my current balance; I've deliberately chosen my investment option; I contribute more than the employer minimum; I run (or am working toward) an SMSF strategy |
| Investing | Making money work | I hold investments: shares, ETFs or property; I add to them regularly (automated or scheduled); There's a written strategy behind what I buy |
| Protection | Protecting it | Life cover; TPD (total & permanent disability) cover; Income protection; Trauma / critical illness cover; Cover reviewed against my debts and dependants in the last 3 years |
| Estate | Protecting it | A current will; Enduring powers of attorney; Super death-benefit nominations, up to date |
| Plan | Pulling it together | A written plan I review at least yearly |
| Control | Pulling it together | Calm: money's a tool, not a worry |
Read straight from the question set the tool runs. General information only, not personal advice.
The one number behind the score: net worth.
Net worth = everything you own minus everything you owe. Home at market value, super, investments and cash on one side; the mortgage, investment loans and cards on the other. It's the first scored question in the check because it's the scoreboard for all the others, and if you don't know yours, the free net worth calculator works it out on screen in two minutes.
For context, ABS household wealth data puts the average Australian household around $1.5-1.6 million, a figure dragged up by the wealthiest households, with the typical (median) household far lower. The shape matters more than the number: net worth usually compounds hardest through the 40s and 50s as home equity and super stack, peaking just before retirement. Where you are on that curve (and whether the curve is steep enough for the retirement you want) is exactly what the retirement readiness check models next.
Frequently asked questions.
How do I calculate my net worth?
Add everything you own (home at market value, super, investments, cash, business interests) and subtract everything you owe (home loan, investment loans, cards, personal loans). That single number, tracked yearly, is the cleanest scoreboard your finances have.
What is the average net worth in Australia?
ABS household wealth data puts the average Australian household around the $1.5-1.6 million mark, but that average is dragged up hard by the wealthiest households, and the median (typical) household sits far lower. Age matters more than averages: net worth normally peaks in the early-60s just before retirement drawdown starts.
What net worth should I have at my age?
There is no official target. It depends on income, city and goals. A useful pattern from the ABS data: households typically cross the median in their 40s as home equity and super compound, and the strongest predictor of an above-average curve is starting the boring things (buffer, contributions, regular investing) a decade earlier than feels necessary. The full ABS age-by-age table lives on our net worth calculator page.
Why does the check ask about insurance?
Because protection is the part of wealth most people under-do. The Financial Services Council estimates around 1 million Australians are underinsured for death and TPD cover and 3.4 million for income protection, and the default cover inside super is rarely sized to your actual debts and dependants. A plan that builds assets but leaves the income funding them unprotected is one accident away from unwinding, which is why the check weighs life, TPD, income protection and trauma cover alongside super and investments.
Why does it ask about my situation and super balance?
Three context questions (what you want money to do next, whether you run a business, own a home, are within about ten years of retirement or have people depending on your income, and roughly where your super sits) don't move the score at all. They decide which general pathways show with your result, because the strategies worth exploring at $80k of super are different from the ones on the table at $300k, and a plan that starts from your goals beats one that starts from averages. If you'd rather not say, the check still works.
Is the wealth check personal advice?
No. It weighs nine general markers of financial health and returns a score with general observations. It doesn't know your income, age or circumstances. It's built to start the right conversation; the free discovery meeting is where your actual situation gets assessed by a licensed adviser.
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A score is a start. A plan is the point.
Bring your result to a free, no-obligation discovery meeting and a licensed adviser will turn the flags into a sequence: what to fix first, and what it's worth.
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