Average Super Balances by Age: 2026 Estimates
Wondering how your super balance compares with others your age? Review My Super estimates that, at 30 June 2026, the average balance for people aged 40–44 was $162,000, with a median of $121,000. For those aged 60–64, the estimated average was $429,000 and the median was $235,000.
These are independent modelled estimates. We start with the Australian Taxation Office’s published June 2024 balances and update them using changes in Australian Prudential Regulation Authority (APRA) average balances for corresponding age groups.
Two dates to keep in mind: the estimates are for 30 June 2026. The official ATO figures used as the baseline are for 30 June 2024, which is the latest available ATO data.
Estimated average and median super balances by age in June 2026
The table below shows our estimates for women and men combined. All estimates are rounded to the nearest $1,000.
| Age | Estimated average | Estimated median |
|---|---|---|
| 25–29 | $34,000 | $26,000 |
| 30–34 | $65,000 | $48,000 |
| 35–39 | $109,000 | $82,000 |
| 40–44 | $162,000 | $121,000 |
| 45–49 | $219,000 | $158,000 |
| 50–54 | $286,000 | $193,000 |
| 55–59 | $356,000 | $219,000 |
| 60–64 | $429,000 | $235,000 |
| 65–69 | $486,000 | $243,000 |
| 70–74 | $547,000 | $253,000 |
| 75+ | $608,000 | $229,000 |
Source: Review My Super calculations using ATO Taxation Statistics 2023–24, Snapshot Table 5, and APRA age-and-sex membership data. These are estimates, not newly published ATO balances.
The 75+ figures are a research extension using pooled APRA data for ages 75–84 and 85+. Estimates for people under 25 are withheld because APRA’s under-25 category does not match the ATO’s separate age bands sufficiently well for this model. Official ATO figures for those ages appear below.
Estimated super balances for women and men in June 2026
| Age | Women: average | Women: median | Men: average | Men: median |
|---|---|---|---|---|
| 25–29 | $33,000 | $26,000 | $35,000 | $26,000 |
| 30–34 | $61,000 | $47,000 | $69,000 | $51,000 |
| 35–39 | $97,000 | $74,000 | $120,000 | $92,000 |
| 40–44 | $143,000 | $105,000 | $180,000 | $139,000 |
| 45–49 | $193,000 | $135,000 | $244,000 | $183,000 |
| 50–54 | $250,000 | $164,000 | $321,000 | $227,000 |
| 55–59 | $312,000 | $185,000 | $400,000 | $258,000 |
| 60–64 | $384,000 | $205,000 | $474,000 | $270,000 |
| 65–69 | $451,000 | $230,000 | $520,000 | $257,000 |
| 70–74 | $531,000 | $259,000 | $566,000 | $249,000 |
| 75+ | $563,000 | $227,000 | $650,000 | $232,000 |
All amounts are modelled estimates rounded to the nearest $1,000. The same 75+ research-extension qualification applies. The combined figures in the first table are calculated from combined source data.
What is the difference between average and median super?
The average, also called the mean, is the total balance divided by the number of people in the relevant group. A relatively small number of very large balances can lift the average substantially.
The median is the middle balance when the group is ordered from lowest to highest. It is often a more useful starting point when asking what a typical balance looks like.
For example, our June 2026 estimate for ages 50–54 is an average of $286,000, compared with a median of $193,000. Being below the average doesn’t necessarily mean being below most people in that age group.
How much super should I have at my age?
Average super balances by age show how your savings compare with others your age. How much super you need for retirement depends on the lifestyle you want.
For retirement at age 67, ASFA publishes these savings benchmarks:
| Retirement lifestyle and housing | Single person | Couple: combined savings |
|---|---|---|
| Comfortable, homeowner | $630,000 | $730,000 |
| Modest, homeowner | $110,000 | $120,000 |
| Modest, renting privately | $340,000 | $385,000 |
Source: ASFA Retirement Standard as of 12 October 2026. These are retirement-date savings benchmarks in today's dollars. Homeowner scenarios assume you own your home outright. ASFA assumes you draw down your savings as well as investment earnings and receive the Age Pension where eligible. Its assumptions may not match your circumstances.
Balances needed at ages 30, 40, 50 and 60
The comparisons below use ASFA's age-specific benchmarks published on 24 February 2026. They show the balance needed at each age to reach $630,000 for a comfortable retirement at 67, assuming future employment income of $65,000 a year rising with inflation. The retirement target is based on living costs; employment income affects future super contributions and therefore how much you need saved now. These figures are a guide, not a universal target.
Our June 2026 estimates cover five-year age groups. ASFA's benchmarks refer to the beginning of each exact age, so the comparisons are indicative. Differences use the rounded balances displayed and do not measure an individual's retirement funding shortfall. The published February scenario is distinct from the income scenarios in ASFA's current calculator.
Average super balance at age 30
ASFA’s illustrative balance needed at age 30: $66,500, under the $65,000 income scenario described above.
Estimated averages and medians for men and women aged 30–34 at 30 June 2026:
| Balance measure | June 2026 estimate | ASFA benchmark at age 30 | Difference from age 30 benchmark |
|---|---|---|---|
| Men: average | $69,000 | $66,500 | $2,500 above |
| Men: median | $51,000 | $66,500 | $15,500 below |
| Women: average | $61,000 | $66,500 | $5,500 below |
| Women: median | $47,000 | $66,500 | $19,500 below |
The benchmark is for age 30; the balance estimates cover ages 30–34.
Average super balance at age 40
ASFA’s illustrative balance needed at age 40: $168,000, under the $65,000 income scenario described above.
Estimated averages and medians for men and women aged 40–44 at 30 June 2026:
| Balance measure | June 2026 estimate | ASFA benchmark at age 40 | Difference from age 40 benchmark |
|---|---|---|---|
| Men: average | $180,000 | $168,000 | $12,000 above |
| Men: median | $139,000 | $168,000 | $29,000 below |
| Women: average | $143,000 | $168,000 | $25,000 below |
| Women: median | $105,000 | $168,000 | $63,000 below |
The benchmark is for age 40; the balance estimates cover ages 40–44.
Average super balance at age 50
ASFA’s illustrative balance needed at age 50: $296,000, under the $65,000 income scenario described above.
Estimated averages and medians for men and women aged 50–54 at 30 June 2026:
| Balance measure | June 2026 estimate | ASFA benchmark at age 50 | Difference from age 50 benchmark |
|---|---|---|---|
| Men: average | $321,000 | $296,000 | $25,000 above |
| Men: median | $227,000 | $296,000 | $69,000 below |
| Women: average | $250,000 | $296,000 | $46,000 below |
| Women: median | $164,000 | $296,000 | $132,000 below |
The benchmark is for age 50; the balance estimates cover ages 50–54.
Average super balance at age 60
ASFA’s illustrative balance needed at age 60: $469,000, under the $65,000 income scenario described above.
Estimated averages and medians for men and women aged 60–64 at 30 June 2026:
| Balance measure | June 2026 estimate | ASFA benchmark at age 60 | Difference from age 60 benchmark |
|---|---|---|---|
| Men: average | $474,000 | $469,000 | $5,000 above |
| Men: median | $270,000 | $469,000 | $199,000 below |
| Women: average | $384,000 | $469,000 | $85,000 below |
| Women: median | $205,000 | $469,000 | $264,000 below |
The benchmark is for age 60; the balance estimates cover ages 60–64.
Official ATO average and median super balances in June 2024
These are the published ATO figures at 30 June 2024, reproduced from the Snapshot Table 5 series used as our baseline. They are historical observations, not the June 2026 estimates above. Amounts are shown in dollars as published.
| Age | ATO average | ATO median |
|---|---|---|
| Under 18 | $6,890 | $307 |
| 18–24 | $9,783 | $6,071 |
| 25–29 | $27,822 | $21,395 |
| 30–34 | $54,009 | $40,426 |
| 35–39 | $91,265 | $69,200 |
| 40–44 | $134,054 | $100,330 |
| 45–49 | $182,866 | $131,705 |
| 50–54 | $238,616 | $161,375 |
| 55–59 | $301,151 | $185,120 |
| 60–64 | $371,379 | $203,326 |
| 65–69 | $437,422 | $218,631 |
| 70–74 | $492,903 | $227,982 |
| 75+ | $525,439 | $197,878 |
Official ATO balances for women and men in June 2024
| Age | Women: average | Women: median | Men: average | Men: median |
|---|---|---|---|---|
| Under 18 | $5,291 | $238 | $8,465 | $408 |
| 18–24 | $9,204 | $5,784 | $10,353 | $6,380 |
| 25–29 | $26,569 | $21,048 | $29,044 | $21,742 |
| 30–34 | $49,446 | $38,070 | $58,461 | $42,962 |
| 35–39 | $80,647 | $61,022 | $101,642 | $78,289 |
| 40–44 | $117,067 | $85,804 | $150,305 | $116,076 |
| 45–49 | $158,331 | $110,864 | $206,484 | $154,751 |
| 50–54 | $205,029 | $134,309 | $271,498 | $192,196 |
| 55–59 | $260,199 | $154,732 | $341,115 | $220,560 |
| 60–64 | $327,440 | $174,655 | $413,700 | $236,126 |
| 65–69 | $407,328 | $207,187 | $466,600 | $230,766 |
| 70–74 | $468,678 | $228,978 | $516,393 | $227,027 |
| 75+ | $484,818 | $195,201 | $562,305 | $200,477 |
Source and population: ATO Taxation Statistics 2023–24, Snapshot Table 5, worksheet 12. The snapshot chart describes people with a positive super balance or contributions during the year. These figures should not be read as the average across every Australian of that age.
We use the published Snapshot Table 5 series consistently. Some population definitions differ from the ATO’s detailed tables, and the treatment of those differences, including median coverage, remains unresolved. The series should not be treated as interchangeable.
About our super balance estimates
Review My Super starts with the ATO's published June 2024 Snapshot Table 5 balances and uses subsequent APRA average-balance movements for corresponding age and sex groups to estimate June 2026 balances. Estimates are rounded to the nearest $1,000.
APRA balance movements reflect more than investment returns: contributions, withdrawals and changes in account membership also affect them. The model compares age groups at different dates, rather than following the same individuals over time.
The estimated medians assume they grow in line with the corresponding average-balance measure. They are not calculated from a newly observed distribution of individual balances. Historical checks provide some support for this approach, but cover a small number of years and use revised historical data. They do not establish a current margin of error.
APRA counts accounts, while the ATO series covers individuals, and the sources differ in their coverage of self-managed super and defined-benefit arrangements. Under-25 estimates are omitted because the age bands do not align adequately. The 75+ figures use a broader combined age group and remain a research extension.
These limitations mean the results should be used as indicative peer comparisons. They are not official June 2026 ATO statistics, personal retirement targets or exact percentile rankings. The official baseline, source links and observation dates are provided on this page so readers can distinguish published figures from estimates.
Why might other websites show different average super balances?
Check the source, date and population before comparing figures. Some tables report an average per super account; others report balances per person. They may also cover different types of funds, age bands or reporting periods. Our June 2026 figures are modelled updates to the ATO Snapshot series, so they will not equal APRA's published average account balances.
When will these estimates be updated?
The estimate date advances when suitable APRA age and sex membership data become available and the calculations have been checked. The next update will likely be in December 2026 using September 2026 quarter figures.
What to check alongside your balance
A balance comparison is a useful prompt to review your super. Check your employer has paid your contributions, understand the fees you pay and review your investment option and insurance cover against your circumstances.
When comparing funds, consider investment options, performance over an appropriate period, fees, insurance and services together. You can compare super funds or read super fund reviews to explore further.
Sources
- ATO Taxation Statistics 2023–24: individuals statistics. Snapshot Table 5, worksheet 12; balances at 30 June 2024.
- APRA Quarterly Superannuation Industry Publication. Age-and-sex membership data, Table 7; June 2024 and June 2026 observations.
About the author
Tom Foreman
Financial adviser and editor of Review My Super
Tom has worked as a financial adviser since 2013, primarily advising on retirement planning and superannuation.