Is $400,000 in Super Good at 40?

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 40, you are 223% above the average ($124,000) and 487% above the median ($68,200).

Your Balance

$400K

Average at 40

$124K

Median at 40

$68.2K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$3,289,972

Gap to ASFA Comfortable

+$2,599,972

Assumes 7% annual return, 12% employer SG on $90,000 salary,27 years to retirement.

You're On Track

With $400,000 at age 40, your projected balance of $3,289,972 at 67 exceeds the ASFA Comfortable standard by $2,599,972. 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 40?

At age 40, $400,000 in super is ahead. The average balance is $124,000 and the median is $68,200. Your balance is 223% above the average.

How much more super do I need at 40?

With $400,000 at age 40, you're projected to reach $3,289,972 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 40?

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 40

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

$400K at Other Ages

Age 25 Age 30 Age 35 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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