How Much Should You Have Saved by 35?
Australian savings, super, and net worth benchmarks for age 35. See where you stand and how to catch up if you're behind.
Last verified: 1 July 2025Benchmarks at Age 35
Savings (median)
$35,000.00
Super (median)
$70,000.00
Net Worth (median)
$150,000.00
Based on ABS Household Wealth data and super fund reports. You have 32 years until the standard retirement age of 67.
Savings Benchmarks at Age 35
| Category | Below Average | Median | Good |
|---|---|---|---|
| Savings | < $12,000.00 | $35,000.00 | $80,000.00+ |
| Super | < $30,000.00 | $70,000.00 | $140,000.00+ |
| Net Worth | < $60,000.00 | $150,000.00 | $350,000.00+ |
Super at 35 vs Retirement Target
The median person at 35 has reached 10% of the ASFA target. With employer SG contributions and compound growth over 32 years, this gap can close — but topping up helps.
You're on track if...
- ✓You have at least $35,000.00 in accessible savings (the median for your age).
- ✓You have 3-6 months of living expenses set aside as an emergency fund.
- ✓Your super balance is at or above $70,000.00.
- ✓Your total net worth (savings + super + property equity - debts) is above $150,000.00.
You might be behind if...
- ⚠Your savings are below $12,000.00 and you don't have an emergency fund.
- ⚠Your super balance is below $30,000.00.
- ⚠You have significant consumer debt (credit cards, personal loans) relative to your income.
- ⚠You have no property equity and limited investments outside super.
How to Catch Up at 35
Start with an emergency fund: aim for 3 months of expenses in a high-interest savings account.
Automate your savings with a direct debit on payday — even $50/week adds up to $2,600/year.
If you don't own property, a First Home Super Saver (FHSS) scheme withdrawal can boost your deposit.
Salary sacrifice into super is powerful in your 30s — you still have 25-30 years of compound growth.
Review your super fund's fees and performance. Switching to a low-fee fund can save tens of thousands by retirement.
Savings Benchmarks by Age
Get Your Personalised Financial Score
The Money Check tool analyses your actual numbers — salary, super, savings, property, and debt — to give you a personalised score and 10-year forecast tailored to your age.
Run Your Full Money Check →Frequently Asked Questions
How much should I have saved by 35 in Australia?
By age 35, the median Australian has approximately $35,000.00 in accessible savings. A good target is $80,000.00 or more. This excludes superannuation and property equity.
How much super should I have at 35?
By age 35, the median super balance is approximately $70,000.00. A good position would be $140,000.00 or more. You have 32 years until the standard retirement age of 67.
What should my net worth be at 35?
The median net worth for Australians around age 35 is approximately $150,000.00, including super, property equity, and savings minus debts. A strong position is $350,000.00 or above.
Am I behind on savings at 35?
If your total savings are below $12,000.00 and you don't have an emergency fund, you may be behind. However, everyone's situation is different — if you've been investing in property, super, or education, your overall financial position may still be strong. Use the Money Check tool for a full assessment.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.