The Check-in Net worth tracker
Step 4, check in as you go. Everything you own, minus everything you owe, tracked over time, with what moved it and how close you are to your goals. Super, HECS, property and ETFs all have their own categories.
What it does
Add each account as an asset or a liability: super, shares and ETFs, cash, property, the mortgage, HECS, a car loan. Every month or two, log each balance. Over time you build a history of your net worth and of every account in it.
Progress towards FIRE
Enter the income you want in retirement and your withdrawal rate. The tracker projects your shares and super forward to show your FIRE progress and your CoastFIRE point: the balance that would grow to your target with nothing more added.
Shared money and backups
Track on your own or with someone, with each item belonging to one person or shared. Everything is saved in your own browser, so export a CSV after each update to keep a backup, and import it to restore.
What counts in an Australian net worth
Everything you own minus everything you owe. Super counts, even though it's locked until 60, and so does your home, less the mortgage. HECS counts as a debt, though it's indexed rather than charged interest and only repaid through your pay once you earn enough. Seeing each part separately shows whether your wealth is in money you can reach before 60 or not.
How often to update it
Monthly or every couple of months is plenty. Markets move daily, so what matters is the trend across a year or more, not any single update. Log balances on roughly the same day each time, and the history turns into a clear line of progress.