Is $300,000 in Super Good at 35?

See how $300,000 compares to the average, your projected retirement balance, and what to do next.

Last verified: 1 July 2025

Ahead

With $300,000 in super at age 35, you are 249% above the average ($86,000) and 534% above the median ($47,300).

Your Balance

$300K

Average at 35

$86K

Median at 35

$47.3K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$3,804,937

Gap to ASFA Comfortable

+$3,114,937

Assumes 7% annual return, 12% employer SG on $90,000 salary,32 years to retirement.

You're On Track

With $300,000 at age 35, your projected balance of $3,804,937 at 67 exceeds the ASFA Comfortable standard by $3,114,937. 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 $300,000 in super good at 35?

At age 35, $300,000 in super is ahead. The average balance is $86,000 and the median is $47,300. Your balance is 249% above the average.

How much more super do I need at 35?

With $300,000 at age 35, you're projected to reach $3,804,937 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 35?

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 35

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

$300K at Other Ages

Age 25 Age 30 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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