Is $800,000 in Super Good at 65?

See how $800,000 compares to the average, your projected retirement balance, and what to do next.

Last verified: 1 July 2025

Ahead

With $800,000 in super at age 65, you are 104% above the average ($392,000) and 271% above the median ($215,600).

Your Balance

$800K

Average at 65

$392K

Median at 65

$215.6K

ASFA Target

$690K

Projected Balance at 67

Projected at 67

$938,276

Gap to ASFA Comfortable

+$248,276

Assumes 7% annual return, 12% employer SG on $90,000 salary,2 years to retirement.

You're On Track

With $800,000 at age 65, your projected balance of $938,276 at 67 exceeds the ASFA Comfortable standard by $248,276. 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 $800,000 in super good at 65?

At age 65, $800,000 in super is ahead. The average balance is $392,000 and the median is $215,600. Your balance is 104% above the average.

How much more super do I need at 65?

With $800,000 at age 65, you're projected to reach $938,276 by 67, which exceeds the ASFA Comfortable standard of $690,000. You're in a strong position.

Should I salary sacrifice at 65?

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 65

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

$800K at Other Ages

Age 25 Age 30 Age 35 Age 40 Age 45 Age 50 Age 55 Age 60

General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.

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