How much super do you need to retire in Australia?

It's the question behind every super statement: how much super do you actually need to retire in Australia? The most widely used benchmark comes from the ASFA Retirement Standard — the figures the industry and the Government's Moneysmart both point to. Below are the current numbers, plus how the average Australian is really tracking at each age.

How much super you need to retire (ASFA Retirement Standard)

ASFA estimates two lifestyles — comfortable and modest — for people who retire at 67, own their home, and live to around 85. These are the current March-quarter 2026 figures.

Source: ASFA Retirement Standard, March quarter 2026. A modest lifestyle is largely covered by the Age Pension; a comfortable lifestyle assumes private health cover, a reasonable car, home upkeep and occasional travel. Assumes homeownership and retirement at 67.

How much super should you have at your age? (Men & women)

Targets are one thing — here's how Australians are actually tracking. Average super balances rise steadily with age, but a persistent gender gap runs through almost every bracket: women hold roughly 25–30% less super than men, driven by lower average earnings, career breaks and higher rates of part-time work. Among those aged 60–64, that gap is around $86,300.

How to know if you're on track

Averages and benchmarks are a starting point, not a verdict — the right number for you depends on your income, goals and when you plan to retire. The clearest way to know is to have your fund reviewed against comparable options: your fees and performance, the insurance inside your super, and whether consolidating could help. That's exactly what a complimentary review is for.