30, How Much Super Should I Have
30 for Australian property investors. Part of the How Much Super Should I Have hub on Shelby Limited, AI strategy, calculators and expert matching.
At 30, the average Australian super balance is about $55,000 and the median is $44,000. To stay on track for ASFA's comfortable single retirement of $595,000 by 67, aim for roughly $5K. An average balance at 30 is projected to reach that target.
Will an average balance at 30 be enough by 67?
Starting from the average $55,000 at 30, with $10,800 a year of Super Guarantee on a $90,000 salary and 6.5% net returns, the projection is $1,876,000 at 67, about $1,281,000 above the ASFA comfortable single target.
Super milestones from age 30
- 30 years until preservation age (60), the earliest point most people born after 1 July 1964 can access super on retirement.
- 37 years until Age Pension age (67), the age ASFA's comfortable benchmark is measured against.
- The downsizer contribution (up to $300,000 per person from selling a home held 10+ years) opens in 25 years.
- At 65 (in 35 years) super becomes accessible regardless of work status.
- Voluntary contributions generally stop at 75, leaving 45 years of contribution runway.
What $1,000 contributed at 30 is worth later
With 37 years to age 67, every $1,000 added to super at 30 grows to roughly $10,279 at 6.5% net returns. Concessional contributions are taxed at 15% going in, versus your marginal rate outside super, which is why salary sacrifice at 30 is one of the strongest long-term levers.
Frequently asked questions
What is the median super balance at 30 in Australia?
The median super balance at 30 is about $44,000, lower than the $55,000 average because a few large balances lift the mean. Median is the fairer comparison for most people.
How many years until I can access my super if I am 30?
30 years until preservation age (60), the earliest point most people born after 1 July 1964 can access super on retirement.
How much extra should I put into super at 30?
An average balance at 30 is already projected to meet the ASFA comfortable single benchmark, so extra contributions are about lifestyle buffer and tax efficiency rather than catching up.