Is $10,000 in Super Good at 25?

See how $10,000 compares to the average, your projected retirement balance, and what to do next.

Last verified: 1 July 2025

Below Average

With $10,000 in super at age 25, you are 63% below the average ($26,667) and 32% below the median ($14,667).

Your Balance

$10K

Average at 25

$26.7K

Median at 25

$14.7K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$2,662,271

Gap to ASFA Comfortable

+$1,972,271

Assumes 7% annual return, 12% employer SG on $90,000 salary,42 years to retirement.

You're On Track

With $10,000 at age 25, your projected balance of $2,662,271 at 67 exceeds the ASFA Comfortable standard by $1,972,271. 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 $10,000 in super good at 25?

At age 25, $10,000 in super is below average. The average balance is $26,667 and the median is $14,667. Your balance is 63% below the average.

How much more super do I need at 25?

With $10,000 at age 25, you're projected to reach $2,662,271 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 25?

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 25

$0 $20K $30K $50K $75K $100K $150K $200K

$10K at Other Ages

Age 30 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.

Salary Sacrifice into Super: How It Works & How Much You Save (2025-26)

Learn how salary sacrificing into superannuation works in Australia. Calculate your tax savings, understand the contribution caps, and see if it is worth it for your income level.

How Much Super Should I Have at 30, 40, 50? Average Super Balance by Age

Compare your superannuation balance to the Australian average by age. See benchmarks for 30, 40, 50, and 60 year olds, plus strategies to catch up if you are behind.

How Much Do I Need to Retire in Australia? 2026 Retirement Savings Targets

Calculate how much money you need to retire comfortably in Australia. Covers ASFA retirement standards, Age Pension eligibility, super targets by age, and closing the gap.