Is $0 in Super Good at 30?

See how $0 compares to the average, your projected retirement balance, and what to do next.

Last verified: 1 July 2025

Behind

With $0 in super at age 30, you are 100% below the average ($53,000) and 100% below the median ($29,150).

Your Balance

Average at 30

$53K

Median at 30

$29.1K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$1,731,644

Gap to ASFA Comfortable

+$1,041,644

Assumes 7% annual return, 12% employer SG on $90,000 salary,37 years to retirement.

You're On Track

With $0 at age 30, your projected balance of $1,731,644 at 67 exceeds the ASFA Comfortable standard by $1,041,644. You may want to consider optimising your investment allocation or exploring transition-to-retirement strategies as you get closer to retirement.

Frequently Asked Questions

Is $0 in super good at 30?

At age 30, $0 in super is behind. The average balance is $53,000 and the median is $29,150. Your balance is 100% below the average.

How much more super do I need at 30?

With $0 at age 30, you're projected to reach $1,731,644 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 30?

You're already well-positioned for retirement. Salary sacrifice can still provide tax benefits — contributions are taxed at 15% in super vs your marginal rate. The concessional cap is $30,000/year.

Other Balances at 30

$10K $20K $30K $50K $75K $100K $150K $200K

$0 at Other Ages

Age 25 Age 35 Age 40 Age 45 Age 50 Age 55 Age 60 Age 65

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

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