Average Super Balance by Age in Australia
Compare your balance to the ATO median for your age band and the ASFA Retirement Standard target at 67. Free calculator using 2021-22 Taxation Statistics and March-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 ABS average for your age band.
ASFA Retirement Standard Dec 2025 quarter. Assumes home-owner and partial Age Pension.
Enter your age and current super balance to see your projection.
Median super balance by age (ATO Taxation Statistics 2021-22)
The median is the honest peer benchmark — half of Australians in each band have less, half more. Averages (mean) are skewed by a minority of very high balances, and are shown here only for context.
| Age band | Median balance | Mean (skewed) | Mean ÷ median |
|---|---|---|---|
| Under 25 | $5,000.00 | $8,500.00 | 1.7× |
| 25-29 | $15,000.00 | $27,500.00 | 1.8× |
| 30-34 | $33,000.00 | $55,000.00 | 1.7× |
| 35-39 | $55,000.00 | $85,000.00 | 1.5× |
| 40-44 | $72,000.00 | $127,000.00 | 1.8× |
| 45-49 | $92,000.00 | $161,000.00 | 1.8× |
| 50-54 | $115,000.00 | $200,000.00 | 1.7× |
| 55-59 | $150,000.00 | $271,000.00 | 1.8× |
| 60-64 | $201,000.00 | $355,000.00 | 1.8× |
| 65-69 | $195,000.00 | $402,000.00 | 2.1× |
Source: ATO Taxation Statistics 2021-22 — latest published band-level super data as of April 2026. Figures rounded to nearest $500.
Go deeper at your age
Each age page shows the peer median, ASFA projection, typical salary anchor, and life-event context specific to that life stage.
Super balance at 30
Median vs ASFA target, gap, catch-up plan
Super balance at 35
Median vs ASFA target, gap, catch-up plan
Super balance at 40
Median vs ASFA target, gap, catch-up plan
Super balance at 45
Median vs ASFA target, gap, catch-up plan
Super balance at 50
Median vs ASFA target, gap, catch-up plan
Super balance at 55
Median vs ASFA target, gap, catch-up plan
Super balance at 60
Median vs ASFA target, gap, catch-up plan
Super balance at 65
Median vs ASFA target, gap, catch-up plan
ASFA Retirement Standard at age 67
| Household | Lifestyle | Annual spend | Balance needed at 67 |
|---|---|---|---|
| Single | Comfortable | $55,923.00 | $630,000.00 |
| Single | Modest | $36,434.00 | $110,000.00 |
| Couple | Comfortable | $78,566.00 | $730,000.00 |
| Couple | Modest | $52,473.00 | $120,000.00 |
Source: ASFA Retirement Standard (March 2026 quarter). Assumes home-ownership and partial Age Pension.
Related retirement tools
Retirement (FIRE) Planner
When can you retire? Coast FIRE + non-super assets.
How much super to retire
Reverse-engineer target from your desired spending.
How long will my super last
Drawdown runway from a given balance.
Carry-forward contributions
5-year unused cap — catch up if you're behind.
Contribution optimizer
Salary sacrifice vs NCC vs co-contribution.
Age Pension eligibility
Income + assets test; how super counts at 67.
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
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.