Skip to main content

Is your super on track?

Check my balance
Woman reclining feet up on the couch

How much super should I have?

There's no magic number but there are some really useful age-based benchmarks that can help you figure out where you stand as of right now.

Find how much super it’s recommended you have by now and what you can do to fill any gaps in your balance.

Two surfers paddling out early morning

What the experts say

The Association of Superannuation Funds of Australia (ASFA) suggests you’ll need $630,000 in super by 67 for a ‘comfortable’ retirement as a single person.*

So, that means, at age 30, your current balance should be close to $44,500.**

Check your exact age with ASFA’s Super Detective calculator to find out what they suggest you should have in super by now.

Check my balance
Super on track

Reality check: ASFA recommends that you should have around $91,500 in super at 35 to retire comfortably at 67.** But, that doesn’t realistically represent most people. The average super balance for people aged 35-39yrs is $82,716, so there’s a gap between recommendation and reality.^

Is your super on track?

Feeling like your super isn’t keeping pace with the ASFA standard? The key is not to panic; the average balance for most age groups doesn’t always match the ASFA-recommended standard.

You’ve got time ahead of you to build your balance and even get ahead.

Important note

Remember that the sooner you put money into your super, the more time it will have to earn in your account, potentially growing your balance significantly come retirement time.

Use our calculator to learn more about the power of compounding over time.

What you can do to catch up

Add a bit extra

Whether it’s a one off after-tax contribution or an ongoing set up like Salary Sacrifice, adding a bit extra to your super now can grow it a lot over time.[S1][S2]
Add to my super
Number 1

Combine old supers

Got multiple accounts? Find your old super and roll it into one to bring your wealth together. Also, cut paying multiple sets of fees.[C1]
Combine my super
Number 2

Check your investments

Do you know where your super’s invested? Could it be working harder for you at this stage of your life? Review your options to find out what’s possible.
Review my investments
Number 3

Need some expert help?

Our team of in-house super experts are ready to talk you through everything you need to know about your super account, all at no extra cost.[AD2]
Book my check-in

* Source: Retirement Standard

** Source: Super Detective This is based on a $75,000 a year income, 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.

^ Quarterly Superannuation Industry publication | APRA the average super balance for a 35-39yr old is $82,716 (data for March 2026, published June 2026)

[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.

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

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