About the Debtor demographic 2024–25 statistics
Our annual debtor demographic statistics are AFSA's official demographic statistics for personal insolvencies. All data is correct as at 30 June 2025.
Read our commentary in the media release: AFSA demographic data offers insight into Australians in personal insolvency.
Profiles
State and territory
This map shows the Australian state or territory where people resided when they entered personal insolvency in 2024–25.
Note: 843 cases are classified as 'Other'. These are people that have reported an address that is outside Australia's states and main territories or where their residential data is unable to be published.
Living arrangements
This chart shows the living arrangements of people entering personal insolvency in 2024–25, including whether they rented, had a free living arrangement, owned a home with a mortgage or owned a home outright.
Note: This chart does not include the 559 (4.6%) personal insolvencies with unknown living arrangements.
Age and gender
This chart shows the age and gender of people who entered personal insolvency in 2024–25.
Note: This chart includes personal insolvencies from bankruptcies, debt agreements and personal insolvency agreements. It does not include the 24 deceased estates from 2024–25. The 557 personal insolvencies with an unknown or unstated age and/or gender are also omitted.
Occupation and employment industry
This chart shows the occupation (by ANZSCO classification) of people who entered personal insolvency in 2024–25 by personal insolvency type.
Note: This chart includes personal insolvencies from bankruptcies, debt agreements and personal insolvency agreements. It does not include the 24 deceased estates from 2024–25. The 1,865 personal insolvencies not engaged in remunerative employment or with an unknown or unclassified occupation are also omitted.
This chart shows the employment industry (by ANZSIC classification) of people who entered personal insolvency in 2024–25 by personal insolvency type.
Note: This chart includes personal insolvencies from bankruptcies, debt agreements and personal insolvency agreements. It does not include the 24 deceased estates from 2024–25. The 1,181 personal insolvencies not engaged in remunerative employment or with an unknown or unclassified employment industry are also omitted.
Download the data
Access Australian personal insolvency debtor demographic data via our downloadable workbooks.
Annual personal insolvency debtor demographic statistics time series
Available in 2 formats (XLSX and CSV), these workbooks include annual records of people in personal insolvencies:
Technical notes
The debtor demographic statistics provide annual insights into the people who enter personal insolvency.
Personal insolvency data is reported on a debtor basis. Most of the data for our debtor demographic statistics is collected from the Statement of Affairs form. Every person who becomes bankrupt, or proposes a debt agreement or personal insolvency agreement, must lodge this form with AFSA. Aggregated data are confidentialised to protect the privacy of individuals.
Personal insolvencies include bankruptcies, debt agreements, personal insolvency agreements and deceased estates. Bankruptcies include people who have entered personal insolvency via a debtor's petition or a sequestration order.
As self-reported demographic information about deceased estates is limited, these have been omitted from the interactive charts but are included in the downloadable time series.
State and territory data are aggregated according to the States and Territories (S/T) level in the Australian Statistical Geography Standard (ASGS) Australian Bureau of Statistics (ABS) Structures hierarchy.
The 'Other' category by state and territory includes new personal insolvencies where a person's address is:
- recorded on the statement of affairs as an overseas address or as being in Australia's other territories
- has been suppressed on the National Personal Insolvency Index
- is incompatible with ASGS standards
- is unknown.
Gender is self-reported by debtors entering personal insolvency on their statement of affairs and is classified as either male, female, other or unstated.
Living arrangement data are categorised as renting, free-living arrangement, own home with a mortgage, own a home outright, other or unknown.
The 'Other' category for living arrangements includes:
- debtors who reported to be homeless, incarcerated, in emergency accommodation or in aged care facilities
other living arrangements that couldn't be categorised as renting, a free-living arrangement, owning a home outright or with a mortgage. - Where debtors have not self-reported their living arrangement, real estate asset data has been used. Where there is no data for living arrangement or real estate assets, the debtor's living arrangement is categorised as 'unknown'.
Occupation data are aggregated according to Australian and New Zealand Classification of Occupations (ANZSCO) 2016 (Version 1.3). - Employment industry data are aggregated according to Australian and New Zealand Standard Industrial Classification (ANZSIC) 2006 Revision 2.0.