📊 Personal Balance Sheet
Snapshot your net worth. Track it over time.
Free Personal Balance Sheet Australia
How to use the Balance Sheet
Enter everything you own under Assets — property, superannuation, shares, savings, vehicles — and everything you owe under Liabilities — mortgages, personal loans, credit card balances. The tool calculates your net worth automatically and tracks it across snapshots over time.
The format matches what Australian lenders use in home loan and credit card applications. If you’re working towards an application, pair this with the Free Budget Planner and you’ll have everything most lenders ask for in the initial stage.
The Available Credit figure is one thing that makes this tool different — most balance sheet tools don’t show it. Knowing your total credit limit versus your total outstanding balance matters for a loan application and for understanding your real financial position. Read why we built these tools if you want the full story.
Frequently Asked Questions
A personal balance sheet is a snapshot of your financial position at a point in time. It lists everything you own (assets) — property, superannuation, shares, savings, vehicles — and everything you owe (liabilities) — mortgages, loans, credit card balances. The difference between the two is your net worth. Banks and lenders use personal balance sheets to assess your financial position as part of credit card and home loan applications.
Yes — most major Australian lenders require a statement of financial position (the formal name for a personal balance sheet) as part of home loan applications and premium credit card applications. CommBank, ANZ, Westpac and NAB all have their own formats, but the underlying information is the same. This tool produces that information in the standard format, saving you the time of filling out a lender’s own PDF form from scratch.
Available Credit is the difference between your total credit card and line of credit limits and your current outstanding balances. It matters for two reasons. First, lenders assess your total credit exposure — the limits you have access to, not just what you’ve drawn down — when deciding whether to approve new credit. Second, knowing your available credit helps you understand your real financial buffer. Most balance sheet tools don’t show this figure; ours does.
No. Everything is stored in your browser’s local storage — on your device only. Nothing is uploaded to Points Brotherhood or any third party. If you clear your browser data your balance sheet clears with it, so use the export feature regularly if you want to keep a record. The tool works completely offline once the page has loaded.
Yes. Each row has an owner field — you can assign assets and liabilities to individual people (Drew, Julie, for example) or mark them as Joint. This is particularly useful for couples preparing a joint home loan application, where the lender needs to see each person’s individual assets and liabilities as well as the combined position.
Committed Expenditure covers money you’ve already committed but haven’t yet paid — booked travel, deposits on purchases, money promised to family members, and similar obligations. It’s a liability category that most personal finance tools ignore but that lenders do consider. Including it gives you a more honest picture of your actual financial position, and means your balance sheet better reflects what a thorough lender assessment would find anyway.
Premium travel cards with lounge access, strong points earn rates and travel insurance typically require demonstrating solid financial position. A current personal balance sheet paired with a detailed expense breakdown from the Budget Planner gives lenders what they need clearly and quickly. Once approved, use the Lounge Finder to see exactly which lounges your new card unlocks at the airports you fly through.
Yes, completely free. No sign-up, no email, no account required. Open the page, enter your numbers, done. It’s built and maintained by Points Brotherhood — we built it because CommBank sent us a PDF form and nobody had a printer.