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SavingsMate

Money Mirror

Where do you stack up against the rest of Australia?

Your salary. Your super. Your savings. Benchmarked against the actual ABS, APRA and ATO numbers — and dated. Nothing leaves your browser.

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How Money Mirror works

What you enter. Your age, gross annual salary, superannuation balance, cash savings, city and household type. Nothing is sent to a server; the comparison runs in your browser and the profile is kept only on your device so it can pre-fill the other calculators.

What it compares against. Each figure is placed against the distribution for your age cohort drawn from Australian Bureau of Statistics income and wealth surveys, APRA superannuation statistics and ATO published rates, adjusted for inflation to the March quarter 2026. The result is expressed as a percentile band (for example, "top 30% for salary at 34") rather than a single rank, because survey distributions are estimates with sampling error.

What it does not do. It does not judge whether you are "behind". A percentile describes where a number sits among Australians of similar age; it says nothing about your goals, your costs or your circumstances. Survey years differ between datasets, cohorts are age bands rather than exact ages, and super balances are compared against reported averages for the band. Treat the bands as context for a decision, then use the calculators for the decision itself.

Worked example. Someone aged 34 on a $95,000 salary with $110,000 in super and $22,000 in cash savings sees three bands: one for salary among 30–34 year olds, one for super balance for the same band, and one for cash savings. Each band names its source and the date of the underlying data, and each links to the calculator that turns the comparison into a plan, such as the savings by age check, the take-home pay calculator and the super calculator.

Tell me when rates change

ATO rates change every July. Super caps, HECS thresholds, stamp duty — all of it. We send one short email when something moves that affects your numbers.

We don’t share or sell your email. One-tap unsubscribe in every send.

Stays on your device

No account. Numbers never leave your browser.

Cited & dated

Every benchmark sourced from ABS, APRA, RBA or ATO.

Carries through

Your inputs pre-fill every other calculator automatically.

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