Is your super on track?

Super | Date Posted 19 November 2025

No matter where you are in your working life, there are benefits to giving your super a little boost. But how do you know what the end goal should be and therefore, how much of a boost is needed?

A general rule of thumb is not to compare yourself to others, but when it comes to your super balance, comparison can be a very strong motivator. According to the Association of Superannuation Funds of Australia (ASFA), the mean super balance for a male aged between 40 to 44 years is about $107,000¹. When you consider the current aged pension doesn’t kick in until 67 years and that a single person will need more than $53,000² per year to live comfortably, the numbers speak for themselves.

Check out the table below to see how your balance stacks up against others your age.

MEAN SUPER BALANCE²

AGE GROUP	MALE	FEMALE
18 to 24 years	$4,617	$4,275
25 to 29 years	$17,545	$17,840
30 to 34 years	$39,796	$34,327
35 to 39 years	$70,181	$54,391
40 to 44 years	$101,231	$74,066
45 to 49 years	$133,616	$93,471
50 to 54 years	$162,146	$111,063
55 to 59 years	$186,255	$128,675
60 to 64 years	$205,385	$153,685
65 to 69 years	$206,091	$191,475

If you’re unsure of your balance, you can check how much super you have by logging in to your online account.

Did you know?

The average super balance for women is around $50,000 less than men, so it’s clear that women have a much bigger task to get their super in shape than men. Read more about women and super.

HOW MUCH MONEY WILL YOU NEED?

Talk about a million-dollar question! There are lots of factors which influence what this magic number could be, such as what age you want to retire at, what sort of lifestyle you have or want to have, whether you own your home, or if you still have dependants. Generally, ASFA research²suggests people will need the following balance for retirement at age 67:

	MODEST RETIREMENT	COMFORTABLE RETIREMENT
Single	$100,000	$595,000
Couple	$100,000	$690,0000

The balance needed for a modest lifestyle is relatively low, as it takes in consideration the Age Pension, as well as various pension supplements, and as a result both couples and singles would need the same savings. The balance required for a comfortable retirement assumes you’ll draw down on all your super and receive a part Age Pension.

Super tip: Check out this Industry SuperFunds calculator to see how much super you should have today to reach a comfortable retirement by age 67.

HOW TO BOOST YOUR SUPER

If you want to grow your balance faster, there are a number of options to boost your super savings. Read more about the different options. It’s also worthwhile to check if you have any lost super you’ve forgotten about, and think about combining your super if you have more than one account. For a comprehensive breakdown that outlines the best options for you, talk with your financial adviser.

TURN TO YOUR TEAM

If you’re unsure, don’t forget we’re here to help. Call us on 13 64 63 to learn more about salary sacrifice.

We can also put you in touch with Team Super Financial Advice for additional support to help you decide what’s right for you. Team Super members are entitled to a complimentary appointment. And did you know? Personal advice on how your account is invested is at no extra cost, but there are fees associated with providing more comprehensive personal financial advice. During your appointment your adviser will discuss the fees and how you’d like to proceed.

Meet the team or request an appointment with Team Super Financial Advice.

Team Super financial advice