Is $400,000 in Super Good at 35?

See how $400,000 compares to the average, your projected retirement balance, and what to do next.

Last verified: 1 July 2025

Ahead

With $400,000 in super at age 35, you are 365% above the average ($86,000) and 746% above the median ($47,300).

Your Balance

$400K

Average at 35

$86K

Median at 35

$47.3K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$4,676,464

Gap to ASFA Comfortable

+$3,986,464

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

You're On Track

With $400,000 at age 35, your projected balance of $4,676,464 at 67 exceeds the ASFA Comfortable standard by $3,986,464. 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 $400,000 in super good at 35?

At age 35, $400,000 in super is ahead. The average balance is $86,000 and the median is $47,300. Your balance is 365% above the average.

How much more super do I need at 35?

With $400,000 at age 35, you're projected to reach $4,676,464 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

$400K 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.

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.