Is $400,000 in Super Good at 55?

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

Last verified: 1 July 2025

Above Average

With $400,000 in super at age 55, you are 47% above the average ($272,000) and 167% above the median ($149,600).

Your Balance

$400K

Average at 55

$272K

Median at 55

$149.6K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$1,094,072

Gap to ASFA Comfortable

+$404,072

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

You're On Track

With $400,000 at age 55, your projected balance of $1,094,072 at 67 exceeds the ASFA Comfortable standard by $404,072. 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 55?

At age 55, $400,000 in super is above average. The average balance is $272,000 and the median is $149,600. Your balance is 47% above the average.

How much more super do I need at 55?

With $400,000 at age 55, you're projected to reach $1,094,072 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 55?

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 55

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

$400K at Other Ages

Age 25 Age 30 Age 35 Age 40 Age 45 Age 50 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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