What is the average net worth by age in Australia?

Net worth climbs steeply with age as the family home and super grow. Indicative median net worth runs from around $28,000 under 25, to roughly $135,000 in your early 30s, ~$380,000 in your early 40s, ~$580,000 in your early 50s, and peaks above $700,000 around retirement. The official ABS national median (all ages) is $579,200 and the average is $1.04 million — the average is much higher because it's pulled up by very wealthy households.

Median or average net worth — which should I compare to?

Compare to the median. The median is the middle household, so it tells you whether you're ahead of or behind a typical Australian. The average is skewed upward by a small number of very wealthy households — in Australia the average net worth ($1.04m) is nearly double the median ($579,200), so comparing to the average makes almost everyone feel behind.

What counts towards my net worth?

Net worth is everything you own minus everything you owe. Assets include your home, superannuation, savings, shares and ETFs, your car, and other valuables. Debts include your mortgage, car and personal loans, credit card balances, and your HECS-HELP debt. Super is a big one people forget — include your latest balance.

Net Worth by Age Calculator

See how your net worth stacks up against the median for your age in Australia — and against the national median and average. Are you ahead, around, or behind?

Last verified: 5 May 2026

How does my net worth compare for my age?

Net worth (what you own minus what you owe) rises steeply with age as your home and super grow — so the right benchmark is the median for your age group, not the national average. The average ($1.04m) is nearly double the median ($579,200) because a few very wealthy households drag it up. Source: ABS.

Worked example. $450,000 in assets and $120,000 in debts = a $330,000 net worth. For someone aged 35 (estimated median ~$250,000) that's about 132% of the median — comfortably ahead for their age.

General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.

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