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See how your super compares
A quick way to see how you’re tracking is to compare your super balance with people the same age.
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Compare super with others your age

The average super balance by age bracket1 is:

 

Age bracketAverage super balance femaleAverage super balance maleAge bracketAverage super balance femaleAverage super balance male
Under 25yrs$8,028$9,06250-54yrs$163,500$208,263
25-29yrs$25,383$27,39655-59yrs$202,014$255,785
30-34yrs$47,333$55,14560-64yrs$233,111$281,916
35-39yrs$73,014$92,20565-69yrs$260,321$298,587
40-44yrs$101,542$129,28870-74yrs$283,397$320,350
45-49yrs$130,807$165,00275-80yrs$263,806$318,930

 

Keep in mind it's important to recognise that your individual circumstances, such as income levels and retirement expectations, may vary.

Check your balance

Grow your super

It’s never too early or too late to boost your super balance. Even a small contribution now, can make a big difference for your tomorrow.[S1]

There are two types of voluntary contributions you can make to boost your balance. 

A concessional contribution is a before tax contribution that goes direct to your super account, like the super you get paid by your employer, or if you salary sacrifice.

These concessional contributions are capped at $32,500 per year (for the 2026/27 financial year). These contributions are generally taxed at 15% when paid into super. Also, the investment earnings may also be taxed up to 15%. This means that the taxation treatment of these contributions may be lower than some personal income tax rates, which can be up to 47% depending on your salary.[S2]

To set up salary sacrifice, simply send your employer an email, or complete and hand them a salary sacrifice form.

Make a concessional contribution

To make a before tax contribution:

Non-concessional contributions are contributions you can make from your take-home pay. This is an after-tax contribution, because your employer has already taken out the tax you need to pay on your income. This type of contribution is capped at $130,000 a year. You can also claim a tax deduction on these contributions.[S1]

If you’d like some support on this, our team can answer questions about your account at no extra cost[AD2] over the phone or on a video call.

Make a non-concessional contribution

To make an after-tax contribution, you can use:

  • Direct debit
  • BPAY®
  • The Aware Super app


Add to your super:


®Registered to BPAY Pty Ltd (ABN 69 079 137 518)

Make a contribution online
It's quick and easy to make a personal contribution online. Just log in to Member Online and set up a direct debit or make a one-off contribution using BPay[L1].
Log in & contribute

General advice only. Consider your personal objectives, financial situation and needs, which have not been accounted for, and the PDS and TMD at www.aware.com.au/pds before acting. Before contributing, consider the relevant superannuation thresholds including the current annual limit for all before-tax contributions and after-tax contributions. Exceeding any of these thresholds, may reduce any tax benefits you could receive.

What kinds of contributions are there?

There’s lots of ways you can contribute extra to your super. We’ve organised them based on which stage of life you’re at, but many of these contribution types could be suitable for you. Explore them below and see which contributions types may suit your personal situation. 

Starting out

Giving your super a boost when you’re just starting work could add up to a lot more later.

If you earn up to $37,000 a year, you may be eligible for a low-income super tax offset (LISTO) payment of up to $500. The Australian Tax Office will figure our if you're eligible when you submit a tax return. 

LISTO Government co-contributions Personal contributions
Young male looking at mobile
Family and first home
Not many people know that you can use super to buy your first home or help a spouse grow their super.
First Home Super Saver Scheme Spouse co-contributions Government co-contributions Salary sacrifice and before-tax After-tax contributions
Super helpful family in kitchen
Thinking about retirement
As retirement draws closer, there’s lots of tax-effective ways you can contribute.
Downsizer contributions Contribute using carry-forward rule Contribute using the bring-forward rule Salary sacrifice and before-tax contributions After-tax contributions
Mature couple on porch
Retired but still investing

Generally, you can’t make contributions once you turn 75. But, you can choose how your super is invested in the future.

You should also understand how the transfer balance cap works, which limits apply and how much you can contribute based on your current super balance. 

Set up retirement with confidence Transition to retirement account Retirement income account Investing for retirement Government Age Pension eligibility
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Build your super with My Retirement PlannerTM

More than just a calculator, My Retirement Planner can make a real difference to your future. Whether retirement’s 2 or 20 years away, keep your super on track and get you where you want to be:

  • See how much you may need to retire
  • Check your score to see how close you are to your goals
  • Get a tailored step-by-step action plan

Get started now.

My Retirement Planner
My Retirement Planner with Confidence score

1Source: APRA quarterly statistics (table7): Quarterly Superannuation Industry publication | APRA

[AD1] Advice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super. 

[L1] ®Registered to BPAY Pty Ltd (ABN 69 079 137 518)

[S1] Before contributing, consider the current annual contribution limits. Exceeding these limits may reduce any tax benefits you could receive. Visit Grow your super for more information.

[S2] Salary sacrifice will save tax in many but not all circumstances and will cause a reduction in your take home pay.