Super balance by age in Australia

This is a snapshot of balances across age groups. It is not a forecast of how one person’s super grows from their twenties into retirement.

People in each group have different earnings, working hours, career breaks and contribution histories. Returns, fees and withdrawals also affect balances.

Use the data to understand the broader picture. For a personal retirement question, start with your own balance, time until retirement and likely spending.

An average is a comparison, not a personal savings target or a pass-or-fail test.

Average super balances by age

Moneysmart reports these averages from APRA’s June 2026 data, rounded to the nearest $100:

Under 25: $9,400
25–29: $28,800
30–34: $55,200
35–39: $88,400
40–44: $123,400
45–49: $157,900
50–54: $198,000
55–59: $243,300
60–64: $270,800
65–69: $290,600
70–74: $312,000
75–84: $302,900
85 and over: $199,500

These are group averages, not recommended balances for each birthday.

Average versus median super

An average adds balances together and divides by the number counted. Very large balances can pull it up. A median is the middle balance, with half above and half below.

Neither figure accounts for your home, a partner’s savings, debts or other income. Someone with less super and lower living costs may face a different retirement picture from someone with more super and ongoing rent.

Compare like with like: check the data date, age band and whether a figure is an average, median or modelled target.

What could your balance become?

Your current balance is a starting point. Time, future contributions, investment returns and costs can all affect the amount available later. Projections rely on assumptions, so actual results will differ.

My Tomorrow lets you explore an illustration using your age, income, current super and chosen retirement age. It does not tell you whether a particular balance will be enough for your circumstances.

The next question is how much retirement income you may need. That starts with the life you want to fund, rather than someone else’s balance.

Want to see your number?

Frequently asked questions

How recent are these super balance figures?

Generally, data is published after the period it describes. This page uses the June 2026 snapshot reported by Moneysmart from APRA. The publication date and the date balances were measured are different. Always check both when comparing sources.

How can two websites show different averages?

There may be differences in dates, age bands, who is counted and whether the figure is a mean or median. Some datasets count accounts; others describe people. A modelled savings target is a different measure again. Check the source notes before comparing.

Can an average fall in older age groups?

Yes, but an age-group table does not track the same people over time. Older groups may be drawing on super and have different work and contribution histories. A lower average in an older group does not predict what will happen to your account.

Does being above average mean I can retire?

No. Being above an age average does not guarantee enough retirement income. Your spending, housing, retirement age and other resources all matter, as does how long your money may need to last. An average describes a group; it does not assess your circumstances.

How can I look beyond the average?

It depends on your spending, housing costs, retirement age and other income, including any Age Pension you qualify for. The My Tomorrow Retirement Calculator can help you explore what your super could become. It is a starting point, not a guarantee that your money will last or a recommendation about when to retire.

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My Tomorrow is an independent retirement-awareness tool. This is general information, not personal financial advice.

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Sources: Moneysmart: super balances by age · Services Australia: Age Pension eligibility

Information checked 1 October 2026.