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Future wealth starts in your 30s

Sam celebrating the 30 year milestone

How much super should I have at age 30?

ASFA suggests that for a ‘comfortable’ retirement, you should have around $44,500 in super by 30.*

Your super balance depends on how long you've been working, career breaks, and how much you or your employer have contributed over time.

If your balance is looking light, remember the most important thing isn't where you are now – it's what you do next.

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How to keep my super on track

Your 30s are a great time to act when it comes to building wealth in super. You’ve got roughly 30 years of compounding growth time ahead. Here’s a few easy moves that could make a real difference:

Add a bit extra (if you can)

Even small, regular top-ups can add up significantly over time.[S1] You may be able to contribute before or after tax, like salary sacrifice or voluntary contributions, depending on your situation.
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Check your investment option

At 30, most members are typically fit for a growth-oriented option given the length of time you’ve got ahead of you, which could deliver stronger long-term returns over the course of your working life.
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Combine multiple accounts

Got old accounts from old jobs? Combine them and bring your wealth to the one place.[C1] Fewer accounts can mean fewer sets of fees eating into your balance.
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Using super to plan life smarter

Life’s rubber really hits the road at 30. Here’s a few things you can do to plan for the big decade ahead that could make a big difference to your future savings.

Having a family? Going back to study? Whatever the reason, planning your career break before it happens can help keep your super active and on track while your earning slows down for a bit.

You can get a snapshot of the impact of your career break using our My Retirement Planner™ tool. It gives you space to play around with your life circumstances to see how things might play out, while offering road maps on how to get to your goals.

Plan my break Planning parental leave?

The First Home Super Saver (FHSS) scheme lets you make voluntary contributions into your super, either before or after tax, where before tax contributions could benefit from a lower tax rate, leaving more money invested towards your savings goals.[S1]

Then, when you’re ready to buy, you can withdraw those contributions along with associated earnings, to put towards your first home deposit.

See eligibility Add to my super

Want to talk to someone in the know?

Super can be confusing, so sometimes it’s easier to just talk to the experts.

In fact, people who get financial advice about their super have a projected retirement income that’s 32% higher than average.1 On top of that, they also have a 42% higher retirement balance over a 10-year period.1

Our team of in-house super experts are ready to chat whenever it suits you. They can help you understand how you can use your super to build your wealth, plus handy tips and tricks to reach your money goals, all at no extra cost.[AD2]

Book a chat
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Learn on-demand

Don’t wait for the ‘perfect’ time to scrub up on your super knowledge. Learn at a time and place that suits you, in a way that suits you.

We’ve got a stack of digital resources and seminars available on-demand to help you get up to speed on everything super.

Super and retirement calculators

Our digital advice tools help you maximise your savings and plan your income in retirement, whether that’s 30 or 35 years away.[AD1]
Start planning
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Learn from our experts online or in-person

Expand your knowledge and have your questions answered by our experts during our live, structured online webinars and in-person seminars. 
Book a webinar or seminar
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How-to videos to help you manage your super

There are so many super helpful features in Member Online. We break them down into step-by-step instructions so you can do things yourself.
Watch our videos
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* Association of Superannuation Funds of Australia super detective, someone the age of 30 should have close to $44,500 (as of September 2026). This is based on a future pre-tax wage income of $75,000 p.a., retiring at 67 and Comfortable Standard balance of $630,000 (today’s dollars). Refer to ASFA website for full list of assumptions. Actual amounts needed will vary based on your circumstances.

1 Source: 2025 Australian Financial Advice Landscape: Adviser Ratings

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

[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.

[C1] Before consolidating, consider if this is right for you, including the loss of any insurance cover from your other funds, the impact on your investments, and potential tax implications and read the PDS and TMD at aware.com.au/pds. You may wish to speak with a qualified financial planner before making this decision.

[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.