Is $200,000 in Super Good at 45?

See how $200,000 compares to the average, your projected retirement balance, and what to do next.

Last verified: 1 July 2025

Above Average

With $200,000 in super at age 45, you are 20% above the average ($167,000) and 118% above the median ($91,850).

Your Balance

$200K

Average at 45

$167K

Median at 45

$91.8K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$1,415,342

Gap to ASFA Comfortable

+$725,342

Assumes 7% annual return, 12% employer SG on $90,000 salary,22 years to retirement.

You're On Track

With $200,000 at age 45, your projected balance of $1,415,342 at 67 exceeds the ASFA Comfortable standard by $725,342. 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 $200,000 in super good at 45?

At age 45, $200,000 in super is above average. The average balance is $167,000 and the median is $91,850. Your balance is 20% above the average.

How much more super do I need at 45?

With $200,000 at age 45, you're projected to reach $1,415,342 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 45?

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 45

$0 $10K $20K $30K $50K $75K $100K $150K

$200K at Other Ages

Age 25 Age 30 Age 35 Age 40 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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