Average Super Balance by Age in Australia
Compare your balance to the ATO average for your age band, see where you sit among people your age, and check the ASFA Retirement Standard target at 67. Uses ATO Taxation Statistics 2023-24 and June 2026 quarter ASFA figures.
Between 18 and 80. ASFA Retirement Standard anchors on age 67.
Sum of all your super accounts. Check myGov for an up-to-date total.
Used for SG projection. Defaults to the ATO average salary or wages for your age band.
ASFA Retirement Standard Dec 2025 quarter. Assumes home-owner and partial Age Pension.
Super balance by age (ATO Taxation Statistics 2023-24)
The average is total balances divided by the number of people with a balance. A minority of very large balances pulls it up. The ATO publishes no national median by age; the last column is the balance range that holds the middle person, from the ATO's counts of people by balance range. Those counts use wider age groups below 50.
| Age band | Average balance | Middle person holds |
|---|---|---|
| Under 25 | $9,595.00 | less than $50,000 (ages Under 30) |
| 25-29 | $27,964.00 | less than $50,000 (ages Under 30) |
| 30-34 | $54,215.00 | $50,000 to $99,999 (ages 30-49) |
| 35-39 | $91,481.00 | $50,000 to $99,999 (ages 30-49) |
| 40-44 | $134,318.00 | $50,000 to $99,999 (ages 30-49) |
| 45-49 | $183,254.00 | $50,000 to $99,999 (ages 30-49) |
| 50-54 | $239,171.00 | $150,000 to $199,999 (ages 50-54) |
| 55-59 | $301,942.00 | $150,000 to $199,999 (ages 55-59) |
| 60-64 | $374,391.00 | $200,000 to $249,999 (ages 60-64) |
| 65-69 | $442,634.00 | $200,000 to $249,999 (ages 65-69) |
Source: ATO Taxation Statistics 2023-24, Individuals Table 24 (averages, summed over states and sexes) and Table 22 (balance ranges); ages as at 30 June 2024.
Go deeper at your age
Each age page shows the ATO average, ASFA projection, typical salary anchor, and life-event context specific to that life stage.
Super balance at 30
Average vs ASFA target, gap, catch-up plan
Super balance at 35
Average vs ASFA target, gap, catch-up plan
Super balance at 40
Average vs ASFA target, gap, catch-up plan
Super balance at 45
Average vs ASFA target, gap, catch-up plan
Super balance at 50
Average vs ASFA target, gap, catch-up plan
Super balance at 55
Average vs ASFA target, gap, catch-up plan
Super balance at 60
Average vs ASFA target, gap, catch-up plan
Super balance at 65
Average vs ASFA target, gap, catch-up plan
ASFA Retirement Standard at age 67
| Household | Lifestyle | Annual spend | Balance needed at 67 |
|---|---|---|---|
| Single | Comfortable | $56,166.00 | $630,000.00 |
| Single | Modest | $36,548.00 | $110,000.00 |
| Couple | Comfortable | $78,998.00 | $730,000.00 |
| Couple | Modest | $52,690.00 | $120,000.00 |
Source: ASFA Retirement Standard (June 2026 quarter). Assumes home-ownership and partial Age Pension.
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Frequently asked questions
How much super should I have at my age?
Is median or average super more useful?
What is the ASFA Retirement Standard?
What growth rate does the calculator assume?
What if my salary doesn't match the band average?
Is the concessional cap modelled?
Tax Accuracy & Sources
Tax year: 2026-27
This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.