Check your super balance against the average of your age group or estimate your balance at different stages of life to make sure you're on track for a comfortable retirement.

How much super do you need?

Your super balance will play a big part in how comfortably you live in retirement.

As shown in the table, Super Guru's Super Balance Detective Calculator can help you estimate if your super is on track, based on your retirement plans and how close you are to retirement.

The Association of Super Funds of Australia (ASFA) estimates that the required balance for a comfortable retirement by age 67 is $595,000 for a single person and $690,000 for a couple. This includes owning your home, leisure and recreational activities, private health insurance, and occasional overseas holidays.

Find out how much you'll need in retirement

How much superannuation should I have at my age?

Age (years) Super balance
25 $18,500
30 $59,000
35 $101,500
40 $156,000
45 $213,000
50 $281,000
55 $361,000
60 $453,000
65 $549,000

Source: Super Guru's Super Balance Detective accessed July 2023.

How much super do most people have?

The Australian Bureau of Statistics (ABS) has worked out the average super balance for each age group, which you can use as a guide to see how your balance compares.

This table shows the average super balances for both Australian men and women by age. It's worth noting that women tend to have lower average superannuation balances than men for a combination of reasons.

If your retirement savings need a boost, small changes you make now can make a difference to your future.

Average super balance by age

Age Average balance (men) Average balance (women)
15 to 24 years $6,500 $5,100
25 to 34 years $42,100 $34,500
35 to 44 years $107,700 $76,900
45 to 54 years $219,300 $136,000
55 to 64 years $326,200 $246,300
65 to 74 years $435,900 $381,700
75 years and over $370,900 $314,100

Source: ABS Household Income and Wealth, Australia 2019-20. Accessed August 2023.


Check how you compare

Log in to Member Online or our app to check your QSuper account balance.

What you can do

Here are a few simple things you can do to help give your super balance that extra boost.

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Consolidate your super

Having your super in multiple accounts may cost you more in fees and insurance.1

Log in to Member Online or our app to find and combine your other super accounts in minutes.

Combine super now
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Make a personal contribution

Build up your super by adding extra money or salary sacrificing.

If you're a low income earner making after tax contributions, you may also get a bonus from the government.

Grow your super
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Get advice about your super

Your QSuper membership includes advice about your super account.2

Speak to a financial adviser to plan for the retirement lifestyle you want.

Book appointment

More than $260 billion in retirement savings


140 years' combined experience helping members.3


2.3 million members and counting

Super you can trust. QSuper is part of Australian Retirement Trust, one of Australia's largest super funds.

Want to know more?

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1. Before you consolidate your super accounts, consider if the timing is right and if you will lose access to benefits such as insurance or pension options, or if there are any tax implications.
2. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is wholly owned by the Trustee as an asset of Australian Retirement Trust. QInvest Limited is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide for more information.
3. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022.