The Net Worth Tracker
Built for Australians

For Australian-specific net worth tracking — superannuation balances, HECS-HELP debt indexation, AUD-denominated portfolios, FHSS, negative gearing, ASFA/ATO benchmarks — Richify is purpose-built. US-first apps like Mint (shut down by Intuit in March 2024), YNAB, and Personal Capital / Empower do not natively model super, HECS, FHSS, or AUD as a home currency. Australian-built apps Frollo and Pocketbook focus on transaction aggregation rather than multi-asset net worth analysis. Richify is manual-entry by design — no bank credentials stored, no Plaid integration today (Plaid is on the roadmap).

They were built around US tax structures, US dollar accounts, and US retirement vehicles (401(k), IRA, HSA). None of them model superannuation contributions or preservation-age rules; none of them handle HECS/HELP indexation (which compounds against your debt every June 1); none of them surface ASFA retirement standards ($595K single / $690K couple); none of them treat the FHSS scheme as a deposit vehicle. Mint went further and shut down entirely in March 2024 — Intuit migrated US users to Credit Karma, which is also not Australia-aware. For Australians, US-first apps either silently miss your biggest asset class (super, often 30-50% of household net worth) or force you to fudge it as a generic ‘investment account’ with no tax treatment.

A complete Australian net worth view should include: (1) Superannuation balance across all funds — APRA-regulated, SMSF, and lost super claimed via myGov. (2) ASX-listed shares and ETFs in AUD. (3) Property — owner-occupied plus investment, with negative gearing impact and depreciation. (4) Cash — offset accounts, term deposits, high-interest savings. (5) HECS/HELP debt with annual indexation. (6) Investment properties' rental income and capital growth. (7) Other liabilities — mortgages, car loans, credit cards, BNPL. Richify's net worth view rolls all of these into a single AUD figure and benchmarks against ABS Survey of Income and Housing medians by age cohort.

Richify uses ABS (Australian Bureau of Statistics) and HILDA Survey data — the same datasets used by the RBA, ATO, and most academic personal-finance research. Median Australian household net worth by age (Richify estimates indexed to 2026, derived from ABS SIH 2019-20 + HILDA Wave 22): 25-34 (~$95K), 35-44 (~$315K), 45-54 (~$530K), 55-64 (~$685K), 65+ (~$680K). Note these are MEDIANS — averages are pulled significantly higher by ultra-wealthy households and are not a useful benchmark. Richify shows you the median for your age cohort plus the top-10 and bottom-25 percentile lines so you understand the distribution, not just one number.

No. Richify is privacy-first and manual-entry by design — no bank credentials stored, no super-fund API connections, no Plaid or Basiq integration. You enter balances yourself from your super statement, brokerage app, or bank app. This is a deliberate trade-off: you give up automation, you gain the assurance that no third-party data aggregator can be breached and expose your full financial picture. Plaid connectivity is on the roadmap but is not currently shipped.

Yes — Richify is free to download on iOS and Android. Core features including net worth tracking, AI chat with Felix, financial goal setting, and 22+ free Australian calculators (super, HECS, FIRE-Australia, negative gearing, stamp duty by state, FHSS, drawdown) are available at no cost. Pro is US$9.99/month or US$99/year (App Store and Google Play set the actual local AUD price per region) and unlocks the full specialist agent team — Morgan (refinance watchdog), Hank (deep-dive analysis), Deepa (diversification).

Felix is Richify's AI super-agent and conversational entry point. Rather than just showing you a number, Felix analyses the composition of your net worth — is too much concentrated in your principal residence? Is your super under-contributed for your age? Are you carrying HECS at an indexation rate higher than your offset account is earning? Felix coordinates a team of named specialists: Morgan watches your mortgages for refinance opportunities, Hank runs deep-dive cashflow and portfolio analysis, Deepa watches concentration risk across asset classes and geographies. The AI agents are the differentiator vs a generic spreadsheet net worth view.

Yes. Richify tracks each property independently with purchase price, current valuation, rental income, operating expenses, mortgage balance, and equity. Per-property metrics include cap rate, cash-on-cash return, net operating income, and gross rent multiplier. The portfolio-level view rolls all properties into your overall net worth alongside super, ASX, cash, and other assets — important for Australians who treat property as a major (often the biggest) net worth component.