How Much Super Should I Have at My Age? (2026 Benchmarks)
ASFA's March 2026 Retirement Standard sets a comfortable retirement target of $630,000 for a single homeowner and $730,000 for a couple at age 67. This guide provides age-by-age super benchmarks from 30 to 60, shows how to read the data honestly, and explains exactly what to do if you are behind
It is one of the most common financial questions Australians ask — and one of the most poorly answered. The typical response is a single retirement target: a lump sum you should have by age 67. What most Australians actually need is something more useful: a benchmark for right now, at their current age, so they can assess where they stand while there is still time to act.
This guide provides exactly that. It covers the ASFA retirement benchmarks, age-by-age super targets from 30 to 60, where median Australians actually sit versus those targets, what "behind" really means and whether it matters, a full worked projection example showing how the numbers compound from mid-career to retirement, and the specific strategies available if your balance needs a boost.
All ASFA figures are from the March 2026 Retirement Standard, the most current published update. Contribution caps reflect the current 2025–26 financial year with 2026–27 changes noted where relevant.
The Retirement Targets You Are Trying to Hit
Before assessing where you sit today, it is essential to understand the target you are working toward.
ASFA Retirement Standard — March 2026
The Association of Superannuation Funds of Australia (ASFA) publishes a quarterly Retirement Standard that estimates the annual income and lump sum super balance required for two different retirement lifestyles for homeowners aged 65 and over.
March 2026 annual income figures:
| Lifestyle | Single person | Couple |
|---|---|---|
| Comfortable retirement | $51,278/year | $72,148/year |
| Modest retirement | $32,665/year | $46,246/year |
Lump sum required at age 67 (homeowners):
| Lifestyle | Single person | Couple |
|---|---|---|
| Comfortable retirement | $630,000 | $730,000 |
| Modest retirement | $110,000 | $120,000 |
Source: ASFA Retirement Standard, February/March 2026 — the first increase in lump sum figures in three years. These figures assume you own your home outright and receive a part Age Pension. Renters need significantly more.
What "Comfortable" and "Modest" Actually Mean
A comfortable retirement funds a standard of living that includes private health insurance, a reasonable car, domestic and occasional overseas holidays, a broad range of leisure activities, and quality household goods. It is the retirement most working Australians have in mind when they think about their future.
A modest retirement covers the basics of everyday life but allows little beyond essentials. It is a step above the Age Pension alone — but that step is smaller than many people assume. The gap between the two is roughly $19,000 per year in income for a single person and a $520,000 gap in lump sum required. That $520,000 difference funds private health cover, the ability to replace a car, regular holidays, and the financial security to handle unexpected costs.
Critical Caveats to These Figures
They assume you own your home outright. Retirees who rent face substantially higher income requirements. As a rough guide, add $15,000 to $20,000 per year to the annual income target to account for rental costs — which requires a proportionally larger lump sum or alternative income source.
They assume a part Age Pension. The ASFA lump sum figures are calculated assuming the retiree receives a partial Age Pension alongside their super drawdown. Retirees with higher super balances may not qualify for the Age Pension, requiring a higher lump sum to self-fund the same income.
They are in today's dollars. ASFA uses 2.75% average weekly earnings growth as a deflator. In nominal terms, the target you will need to hit at age 67 in 2036 or 2046 is higher than $630,000 — but your super balance will also be invested and growing between now and then, which is why projecting forward using investment return assumptions (typically 7% per annum) is the right way to model the gap.
Super Benchmarks by Age: Where You Should Be Right Now
The ASFA retirement target tells you where to end up. These age-based benchmarks work backward from that target to tell you where to be today.
Two benchmarks are shown for each age: the on-track target (what you need now to be on track for a comfortable single retirement at 67) and the ATO median (what the average Australian of that age actually has). The gap between the two tells the real story.
All figures are in today's dollars and assume a 7% annual investment return and the 12% Superannuation Guarantee rate (current from 1 July 2025). They target the ASFA comfortable single retirement of $630,000 at age 67.
| Age | On-track target (single, comfortable) | ATO median balance | Gap (median vs target) |
|---|---|---|---|
| 30 | ~$62,000 | ~$40,000 | ~$22,000 behind |
| 35 | ~$115,000 | ~$65,000 | ~$50,000 behind |
| 40 | ~$175,000 | ~$88,000 | ~$87,000 behind |
| 45 | ~$250,000 | ~$115,000 | ~$135,000 behind |
| 50 | ~$345,000 | ~$165,000 | ~$180,000 behind |
| 55 | ~$460,000 | ~$195,000 | ~$265,000 behind |
| 60 | ~$540,000 | ~$230,000 | ~$310,000 behind |
Sources: On-track targets derived from ASFA Retirement Standard March 2026 working backward at 7% return; ATO median balances based on ATO Taxation Statistics and APRA data. Targets are for a single person targeting a comfortable retirement. Couples targeting $730,000 should apply approximately 15% higher targets at each age. Women have approximately 25–30% lower median balances than men at every age group.
What the Data Actually Says
The most important observation in this table is that most Australians at every age are behind the on-track benchmark. The median 50-year-old has approximately $165,000 in super against an on-track target of $345,000 — a gap of $180,000.
This does not mean most Australians will retire in poverty. Several factors make the picture more nuanced than the gap alone suggests:
The Age Pension is the backstop. The ASFA modest retirement standard — the one mostly funded by the Age Pension — requires only $110,000 at retirement. Most Australians will retire with more than this, meaning most will receive at least a partial Age Pension that supplements their super drawdown.
The 12% SG rate only reached 12% on 1 July 2025. For workers who spent most of their career under the 9% or 9.5% SG rate (which applied from 2014 to 2021), the accumulated impact of lower historical contributions is the primary reason median balances trail the benchmarks. The 12% rate will produce better accumulation for workers in their twenties and thirties today.
Couples share assets. A couple's combined super balances and the higher couple's pension should be assessed against the $730,000 couple target, not two separate $630,000 targets.
Home ownership changes the equation. The benchmarks assume home ownership. An outright-owned home is a major non-super asset that dramatically changes retirement income needs.
Age-by-Age: What the Numbers Mean for You
At Age 30 — Target: ~$62,000
The on-track target at 30 is approximately $62,000. The median Australian 30-year-old has around $40,000 — about $22,000 short.
A gap of $22,000 at age 30 is the smallest, most addressable gap in this table. With 37 years until retirement age, compounding does enormous work. An extra $50 per week in salary sacrifice from age 30 would close this gap entirely and then some by retirement.
The priority at 30: Avoid the mistakes that damage compounding — lost super from job gaps, staying in a high-fee fund, having multiple accounts, and failing to make voluntary contributions in years when income allows. The SG alone on a median income at 30 will not produce a comfortable retirement; some personal contribution is required.
At Age 35 — Target: ~$115,000
The gap at 35 has widened to approximately $50,000. With 32 years until retirement, compounding still has significant runway, but the cost of the gap has roughly doubled — because every dollar of shortfall has fewer years to compound.
A 35-year-old with $65,000 in super on a $90,000 salary making no extra contributions is projected to retire with approximately $750,000 to $850,000 at current SG rates and typical fund returns — technically above the comfortable retirement target but with limited margin for career disruptions, fee drag, or below-average returns.
The priority at 35: Check your fund's investment option. Most default MySuper options move toward conservative assets as you age — which at 35 is almost certainly too conservative. Ensuring an appropriate growth allocation can add 0.5% to 1.5% in annual returns, which compounds significantly over 32 years. Also review fees: a difference of 1% in ongoing fees costs approximately $150,000 in final balance over this timeframe.
At Age 40 — Target: ~$175,000
The gap at 40 is now approximately $87,000 against the median. This is the age at which the compounding clock starts to feel real.
A 40-year-old with $88,000 in super on a $100,000 salary will project to approximately $800,000 to $900,000 at retirement under current settings — still above the comfortable target, but with a narrowing margin. Mid-career at 40 is when most Australians begin to assess whether their super is on track for the first time.
The priority at 40: Begin salary sacrifice if you have not already. Even $5,000 per year in salary sacrifice from age 40 adds approximately $175,000 to the final balance over 27 years at 7%. Review insurance within super — the period from 40 onward is when income protection and TPD cover becomes critical, and many Australians are significantly underinsured.
At Age 45 — Target: ~$250,000
The on-track target at 45 is approximately $250,000. The median balance sits at around $115,000 — a gap of $135,000. This is now a material shortfall that SG alone is unlikely to close without supplementary action.
The gender gap is sharpest around this age. Women in their mid-40s have approximately 25–30% lower median balances than men, reflecting career breaks for parenting and higher rates of part-time work during the years when SG accumulation would otherwise be at its peak.
The priority at 45: This is the decision point. Salary sacrifice is still sufficiently effective — 22 years of compounding on additional contributions can close large gaps. Catch-up concessional contributions (available to those with total super balances under $500,000) allow access to unused contribution cap space from the prior five years. Spouse contributions may be available to help address gender-based gaps. Review your investment allocation to ensure you are not in an overly conservative option — at 45, you still have 22 years of growth runway.
At Age 50 — Target: ~$345,000
At 50, the median Australian has approximately $165,000–$200,000 in super against an on-track target of $345,000. The gap of up to $180,000 with 17 years remaining is the pivot point of retirement adequacy for most Australians.
The good news: 17 years is still sufficient time for meaningful catch-up. A 50-year-old who redirects $8,000 per year into salary sacrifice — taking their total concessional contributions to approximately $18,000 to $20,000 per year — can close a $180,000 gap through a combination of investment growth and additional contributions.
The priority at 50: Salary sacrifice aggressively within the concessional cap ($30,000 in 2025–26, rising to $32,500 from 1 July 2026). If your total super balance is under $500,000, access carry-forward concessional contributions for unused cap space from prior years. Consider the transition-to-retirement (TTR) strategy in the years approaching 60.
At Age 55 — Target: ~$460,000
With 12 years until the standard retirement age, the gap between median balances ($195,000) and the on-track target ($460,000) has grown to approximately $265,000. At this stage, compounding still helps significantly, but the primary driver of catch-up is contribution volume.
The priority at 55: Maximise concessional contributions. With 12 years of remaining contributions and investment growth, every additional dollar contributed at 55 is worth approximately $2.25 at retirement (at 7% annual return). The downsizer contribution rule — available from age 55 — allows a one-off contribution of up to $300,000 per person (or $600,000 per couple) from the proceeds of a home sale, outside the normal caps. This can substantially accelerate balance growth for those who have equity in their home.
At Age 60 — Target: ~$540,000
At 60, the on-track target is approximately $540,000, against a median of roughly $230,000 — a gap of $310,000. With only 7 years until standard retirement age, compounding time is limited, and the strategy shifts toward maximising contributions and tax-efficiency rather than relying on investment growth alone.
The priority at 60: Access the transition-to-retirement (TTR) strategy if still working — this allows you to draw a TTR pension from your super while still receiving salary, potentially enabling higher salary sacrifice contributions at a lower net cost. Non-concessional contributions (after-tax, up to $130,000/year from 1 July 2026 or $390,000 over three years using the bring-forward rule) are available if you have accumulated savings or assets outside super that can be recontributed.
Note: from 1 July 2026, a Division 296 additional earnings tax applies to total super balances above $3 million. For the vast majority of Australians approaching retirement, this is not relevant — but for those with very high balances, additional contributions should be reviewed with a financial adviser.
Worked Projection Example: Can Michelle Catch Up?
This example illustrates how a 50-year-old who is behind on super can realistically assess and close the gap through salary sacrifice.
Michelle's Current Position
- Age: 50
- Employer: Full-time nurse, public hospital
- Gross salary: $95,000 per year
- Current super balance: $120,000
- Fund: Industry super fund, balanced option (7% average return assumption)
- SG contributions (12%): $95,000 × 12% = $11,400 per year
- Years to retirement at age 67: 17 years
Step 1: Project SG-Only Outcome
If Michelle makes no extra contributions — just the mandatory 12% SG — what does she retire with?
Future value of current balance ($120,000) over 17 years at 7%:
$120,000 × (1.07)^17 = $120,000 × 3.1588 = $379,056
Future value of annual SG contributions ($11,400) over 17 years at 7%:
$11,400 × [(1.07)^17 − 1] / 0.07 = $11,400 × [3.1588 − 1] / 0.07 = $11,400 × 30.840 = $351,576
Total projected balance (SG only): $379,056 + $351,576 = $730,632
Michelle projects to retire with approximately $730,000 on SG alone — above the single comfortable retirement target of $630,000 and essentially at the couple target.
She is behind the on-track benchmark but still projected to reach a comfortable retirement on SG alone, because 17 years of compounding on a $120,000 base is powerful, and the 12% SG rate produces strong annual contributions.
Step 2: What If Michelle Adds Salary Sacrifice?
Michelle's total concessional contributions under SG-only are $11,400 per year. The concessional cap for 2025–26 is $30,000 — she has headroom of $18,600.
She decides to add $8,000 per year in salary sacrifice (bringing total concessional to $19,400).
Future value of additional $8,000/year over 17 years at 7%:
$8,000 × 30.840 = $246,720 in additional balance
New projected total: $730,632 + $246,720 = $977,352
By adding $8,000 in salary sacrifice — approximately $667/month — Michelle's projected retirement balance increases from $730,000 to $977,000.
The Tax Benefit on Salary Sacrifice
Salary sacrifice contributions are taxed at 15% inside the super fund. For Michelle at her marginal rate (32.5% + 2% Medicare levy = 34.5%), sacrificing $8,000 of salary saves:
- Tax savings versus taking as income: ($8,000 × 34.5%) − ($8,000 × 15%) = $2,760 − $1,200 = $1,560 in annual tax savings
The net cost of her $8,000 annual salary sacrifice is effectively $6,440 after the tax saving — she forgoes $6,440 in take-home pay but adds $8,000 to her super each year.
Scenario Summary
| Scenario | Projected balance at 67 | vs Comfortable target ($630k) |
|---|---|---|
| SG only (no extra contributions) | $730,632 | +$100,632 above target |
| SG + $8,000/year salary sacrifice | $977,352 | +$347,352 above target |
| SG + $15,000/year salary sacrifice | $1,193,000 (approx.) | +$563,000 above target |
Projections use a 7% annual return, today's dollar values, and the 2025–26 contribution caps. Actual returns vary — past performance is not a guarantee of future returns. Use the Dolaro super calculator to model your specific situation.
What to Do If You Are Behind on Super
If your balance is below the on-track target for your age, the strategies below — from most to least impactful — can close the gap.
Strategy 1: Salary Sacrifice (Highest Impact, Tax-Effective)
Salary sacrifice directs pre-tax income into your super fund. The contribution is taxed at 15% instead of your marginal income tax rate — a saving of up to 32% for a taxpayer in the 37% bracket (45% including Medicare at the top bracket).
The 2025–26 concessional cap is $30,000, which includes your employer's SG contributions. Most Australians have significant headroom between their SG contributions and this cap.
From 1 July 2026, the concessional cap increases to $32,500.
To implement salary sacrifice: contact your employer's payroll team or HR department with a salary sacrifice agreement. The arrangement can typically be adjusted at any time.
Strategy 2: Carry-Forward Concessional Contributions
If your total super balance is under $500,000, you may be able to access unused concessional cap space from the prior five financial years. This "carry-forward" allows a larger-than-usual concessional contribution in a single year.
Example: Someone who made no personal concessional contributions from 2021–22 to 2025–26 — beyond the employer SG — could potentially contribute up to approximately $175,000 in 2026–27 as a concessional contribution (the new $32,500 cap plus up to $142,500 in carry-forward from prior years).
Check your available carry-forward balance on your MyGov ATO account before the end of each financial year.
Strategy 3: Personal Deductible Contributions
You can make a personal (after-tax) contribution to your super fund and then claim it as a tax deduction in your tax return. This converts an after-tax contribution into a concessional one, producing the same tax saving as salary sacrifice. To do this, you must lodge a Notice of Intent to Claim a Deduction with your super fund before lodging your tax return.
Strategy 4: Non-Concessional Contributions (After-Tax Top-Up)
Non-concessional contributions are after-tax contributions above the SG and any salary sacrifice amounts. The cap is $120,000 in 2025–26 (rising to $130,000 from 1 July 2026). If you have savings, an inheritance, or a property sale proceeding outside super, you can move these into the tax-advantaged super environment.
The bring-forward rule allows eligible Australians under 75 with total super balances under $2 million to contribute up to three years of non-concessional caps in a single year — up to $360,000 currently (rising to $390,000 from 1 July 2026).
Strategy 5: Downsizer Contributions
If you are aged 55 or over and sell a home you have owned for at least 10 years, you can make a one-off downsizer contribution of up to $300,000 per person ($600,000 per couple) from the sale proceeds, outside the normal contribution caps. This is one of the most powerful catch-up mechanisms available for older Australians with significant home equity.
Strategy 6: Spouse Contributions and Tax Offset
If one partner has significantly lower super (often the case where one partner took career breaks for parenting), the higher-earning partner can make after-tax contributions to the lower-earning partner's super account. A spouse contribution tax offset of up to $540 per year applies for contributions made to a spouse earning under $40,000.
Strategy 7: Check for Lost Super and Consolidate Accounts
An estimated $17 billion in unclaimed superannuation sits in ATO-held and inactive fund accounts across Australia. Checking the ATO's online services via MyGov takes five minutes and can reveal super you have forgotten about. Consolidating multiple super accounts into one also reduces fee drag — paying fees on two accounts costs twice as much as paying fees on one.
Strategy 8: Review Your Fund's Fees and Investment Option
A 1% difference in annual fees on a $200,000 balance costs $2,000 per year. Over 17 years at 7% investment growth, that $2,000 per year compounds to approximately $62,000 in lost final balance. Comparing your fund's fees against the median on ATO's YourSuper comparison tool is one of the highest-return five-minute actions available to any Australian.
Similarly, many default MySuper options shift toward conservative allocations in your 40s and 50s in a "lifecycle" strategy. At 45 or 50, with 17 to 22 years of investment horizon remaining, an overly conservative allocation materially reduces long-run returns. Reviewing your investment option and ensuring an appropriate growth allocation is warranted.
The Gender Super Gap
Any honest discussion of super adequacy must acknowledge the gender gap. Women retire with approximately 25–30% less super than men at every age group, driven by lower average earnings, more career breaks for parenting, and historically higher rates of part-time and casual work.
The practical consequences: a woman following the exact same benchmarks as a man but earning 15% less and taking two years of career break will arrive at 67 with materially less super — through no failure of discipline, simply because the compulsory contribution system is earnings-based.
Strategies specifically relevant to closing the gender gap include: spouse contributions and tax offset during periods of part-time work or career break, ensuring SG is being paid during paid parental leave (mandatory from 1 July 2025 — employers must now pay SG on government-funded parental leave pay), and prioritising salary sacrifice during the highest-earning years when the tax benefit is greatest.
Frequently Asked Questions
How much super should I have at 40?
To be on track for a comfortable single retirement (ASFA standard, $630,000 at age 67), you should have approximately $175,000 in super at age 40. The ATO median for Australians aged 40 to 44 is approximately $88,000 — well below the on-track benchmark. A gap at 40 is common and manageable: 27 years of compounding at 7% mean that extra contributions made now have a significant impact on the final balance. Salary sacrifice of even $5,000 per year from age 40 adds approximately $175,000 to the projected retirement balance.
How much super should I have at 50?
To be on track for a comfortable single retirement at 67, you should have approximately $345,000 in super at age 50. The ATO median for Australians aged 50 to 54 is approximately $165,000 — a gap of around $180,000. The good news is that 17 years of investment growth still provides meaningful compounding, and salary sacrifice combined with carry-forward concessional contributions can close a significant portion of this gap. A 50-year-old adding $8,000 per year in salary sacrifice would add approximately $247,000 to their projected retirement balance.
How much super do I need to retire comfortably in Australia?
According to ASFA's March 2026 Retirement Standard, you need $630,000 (single) or $730,000 (couple) at age 67 to fund a comfortable retirement — defined as $51,278 per year (single) or $72,148 per year (couple) — assuming you own your home outright and receive a part Age Pension. A modest retirement requires only $110,000 (single) or $120,000 (couple) because the Age Pension covers most of the spending at that level. Renters need significantly more than these figures. The transfer balance cap — the maximum you can move into the tax-free retirement phase — is $2 million as of 1 July 2025.
What is the average super balance in Australia by age?
Based on ATO Taxation Statistics and APRA data, the approximate median super balances by age in Australia are: age 30 around $40,000; age 35 around $65,000; age 40 around $88,000; age 45 around $115,000; age 50 around $165,000; age 55 around $195,000; age 60 around $230,000. Average balances are higher than medians because they are skewed upward by high-balance members. Women have approximately 25 to 30% lower balances than men at every age group. Most Australians are below the on-track benchmark for a comfortable retirement at every age.
What is the super guarantee rate in 2026?
The Superannuation Guarantee (SG) rate is 12% of ordinary time earnings, effective from 1 July 2025. This is the compulsory rate employers must contribute to eligible employees' superannuation. It reached 12% after a gradual increase from 9.5% (where it was paused from 2014 to 2021). Importantly, from 1 July 2025 employers must also pay SG on government-funded parental leave pay — a significant change for parents on parental leave.
What are the super contribution caps in 2026?
For the 2025–26 financial year, the concessional (before-tax) contributions cap is $30,000 per year, which includes employer SG contributions, salary sacrifice, and personal deductible contributions. The non-concessional (after-tax) contributions cap is $120,000 per year. From 1 July 2026, the concessional cap increases to $32,500 and the non-concessional cap increases to $130,000, with the bring-forward amount rising to $390,000. These increases are driven by indexation to average weekly ordinary time earnings.
How do catch-up concessional contributions work?
If your total super balance was under $500,000 at the previous 30 June, you can access unused concessional contribution cap space from the prior five financial years. This carry-forward allows a larger-than-normal concessional contribution in a single year — up to $175,000 in 2026–27 for those with full carry-forward available. This is one of the most powerful catch-up mechanisms for Australians behind on super, particularly those who had career breaks or low-income periods where SG contributions were minimal. Check your available carry-forward balance on MyGov via the ATO online services.
What happens if I have more than $3 million in super?
From 1 July 2026, a Division 296 additional earnings tax applies to superannuation earnings on balances above $3 million. Earnings on the portion of a super balance above $3 million will be taxed at an additional 15%, bringing the effective tax rate on those earnings to 30% rather than the standard 15%. This affects a small number of high-balance members. For most Australians focused on building retirement savings well below $3 million, this rule is not relevant. Those approaching this threshold should seek specific financial advice.
Is my super invested correctly for my age?
Many default MySuper lifecycle options gradually shift toward conservative assets as you age — often starting the shift in your forties or fifties. At age 40 or 45, with 22 to 27 years of investment horizon remaining, an overly conservative allocation materially reduces long-run returns. As a general guide, Australians in their 30s and 40s should be predominantly in growth assets (Australian and international shares, property). Those in their 50s may reasonably hold a balanced to growth allocation depending on risk tolerance and expected retirement date. Reviewing your fund's default investment option and comparing it to a growth option is worthwhile at any age.
What is the downsizer contribution to super?
The downsizer contribution allows Australians aged 55 or over who sell a home they have owned for at least 10 years to make a one-off contribution of up to $300,000 per person — or $600,000 for a couple — directly to their super from the sale proceeds. This is outside the normal non-concessional contribution caps, making it one of the most powerful super-boosting strategies available to older Australians with home equity. The contribution does not count toward the non-concessional cap, and there is no requirement to actually downsize — you can use the proceeds whether or not you buy another property.
How can I check if I have lost super?
Log in to MyGov and navigate to the ATO online services. Under the super section, the ATO shows all super accounts associated with your tax file number — including lost or unclaimed accounts held by the ATO itself. Approximately $17 billion in unclaimed superannuation exists across Australia. You can also contact each of your previous employers to confirm which fund they contributed to on your behalf. Once found, lost super can be transferred to your current active fund, eliminating duplicate fees and consolidating your balance for better compounding.
Final Word
Super adequacy is not a single number at retirement — it is a trajectory. The question is not just whether you will arrive at $630,000 by age 67, but whether the path you are currently on makes that arrival likely, and what adjustments are available if it does not.
For Australians in their 30s, the compounding window is still wide open — small additions now produce disproportionately large outcomes. For those in their 40s and 50s, salary sacrifice and catch-up contributions are still powerful tools, with 17 to 27 years of growth remaining. For those approaching 60, maximising contributions and using the downsizer and transition-to-retirement rules can still meaningfully improve outcomes in the final decade.
The worked example in this guide — Michelle at 50, projecting to $730,000 on SG alone and nearly $1,000,000 with salary sacrifice — illustrates a genuinely achievable outcome for an ordinary Australian salary. The gap between median super balances and comfortable retirement targets is real. But it is not, for most people who still have 15 or more years until retirement, a gap that is impossible to close.
Use the Dolaro super calculator to model your specific balance, income, contribution level, and projected retirement balance — and see exactly what your current trajectory looks like and what difference additional contributions would make.
This article is general information only and does not constitute financial, tax or superannuation advice. Super laws, caps, and ASFA figures change regularly. Always verify current figures with ASFA, the ATO, or your super fund, and seek advice from a qualified financial adviser before making superannuation decisions.
Sources:
- ASFA, Retirement Standard, February/March 2026
- ATO, Taxation Statistics 2022–23 (superannuation data)
- APRA, Quarterly Superannuation Industry Statistics, 2025
- ATO, Non-Concessional Contributions Cap guidance, June 2026
- Morningstar, Key Changes to 2026/27 Super Thresholds, April 2026
- CFS, Increased Super Contributions Caps from 1 July 2026, June 2026
- ASIC MoneySmart, How Much Super Should I Have, March 2026
- Hudson Financial Planning, How Much Super Should I Have at My Age, 2026