Main region

Is your balance on track?

Here's what super balance you should be aiming for based on your age.

25 years

$18,500

30 years

$59,000

35 years

$101,500

40 years

$156,000

45 years

$213,000

50 years

$281,000

55 years

$361,000

60 years

$453,000

65 years

$549,000

Join now and grow your super

Source: Super Guru's Super Balance Detective, accessed May 2024.

This is the approximate amount of super a person should have now to reach a "comfortable" retirement by age 67, according to the Association of Super Funds of Australia (ASFA).

Frequently asked questions

There's a lot to consider when asking the question 'is your super balance on track'. These are some common questions that are asked.

Don't feel bad if your balance is lower than you would like. There's usually something you can do to improve your future finances, such as adding extra money to your super, or receiving the government's co-contribution.

You may also be able to supplement your super with the Age Pension (if eligible).

How to grow your super balance 

Congratulations on having a solid super balance already. Of course, how much you should have depends on your personal goals, so you might be able to add a little extra, keeping in mind your yearly limit for super contributions.

You can also work with a financial adviser to get more from your super and investments. So you can feel confident you're on track to live the lifestyle you want in retirement.

Get appointment 

On average, superannuation for women starts with a balance 50% lower than men's, and women retire with 23% less (ATO, 2022 ), but live 4-5 years longer in retirement (ABS, 2021). This gender super gap can be because of many reasons, such as being paid less, part-time employment, or having to take time out from the workforce as a parent or carer without receiving spouse contributions.

But there are strategies that can help you close the super gap, and you can also get financial advice through your super fund about what's best for you.

How much super you'll need in retirement depends on the lifestyle you want. According to the government's MoneySmart website, if you own your home, the rule of thumb is that you'll need two-thirds (67%) of your current income each year to maintain the same standard of living.

Or you can use the Retirement Standard from the Association of Superannuation Funds of Australia (ASFA), which estimates how much the average Australian would need to retire. This standard assumes that you retire at age 65, own your home (no mortgage), and are relatively healthy.

A focus on strong, long-term returns

We're focused on strong long-term returns to help your super monster grow. In fact, our High Growth option has delivered 9.28% p.a. over the 10 years to 30 June 2024. We've outperformed the industry median over 1, 3, 5, 7, and 10 years.1

Award-winning performance

SuperRatings Platinum Performance rating 20 years in a row.2

Join a super fund you can trust

Awaken your super today. You'll be joining more than 2.4 million members (and their monsters) who trust us to manage their super savings.

Join us today

Start saving money now

From member discounts on everything under the sun, to educational seminars and personal financial advice, we've got what you need to to awaken your super today.3

Save on the things you need now

Available with brands across Australia

Access to exclusive member deals and discounts

Explore rewards

We can help you awaken your super

Manage your monster on the go

Access your account at your fingertips, get notifications, and do more with your super using the ART mobile app. We have a 4.7-star rating from 19,000+ reviews.

Download the app

Supporting you to and through retirement

We'll help you keep your super monster healthy and strong – from your first day of work, right up to and through retirement.

Our resources

Unleash your potential

You can access financial advice4 about your super account as part of your membership with us. If you need advice about more than just your super, we can refer you to an accredited external financial adviser.5

Get advice

Join today, it only takes 3 minutes

Create an Australian Retirement Trust account and start growing your super monster today.

Join ART

For more information about the benefits and risks of opening a Super Savings account, before deciding to acquire or hold the product, please consider the Super Savings Product Disclosure Statement for Accumulation Account and target market determinations.

1. Over the 10 years to 30 June 2024, our High Growth option returned 9.28% p.a. Our returns are after Investment fees and costs, Transaction costs and where applicable, investment taxes, but before administration fees and costs. From 1 July 2024 the Lifecycle Investment Strategy pools changed, with members under age 50 invested 100% in the High Growth Pool. Members over age 50 transition into a mix of High Growth, Balanced and Cash pools over time. Refer to the Investment Guide for more information about the Lifecycle Investment Strategy. From 1 July 2024, for members under the age of 50, the Lifecycle Investment Strategy invests 100% in the High Growth Pool. The High Growth Pool commenced on 1 July 2024 and has identical investments to the High Growth option. To show the returns for the High Growth Pool up to 30 June 2024, we have used the returns of the Growth option (which commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option) for periods prior to 28 February 2022. Actual returns will differ for individuals. Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index, 30 June 2024. The SR50 Growth (77-90) Index comprises selected investment options with a similar asset allocation to growth style assets between 77-90%. Past performance is not a reliable indicator of future performance. Ratings and awards are only one factor to be taken into account when deciding to invest. Investment returns are net of investment fees and costs, transaction costs, and investment taxes (where applicable). Products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.

2. The rating is issued by SuperRatings Pty Ltd (SuperRatings) ABN: 95 100 192 283 a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445 (Lonsec Research). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2024 SuperRatings. All rights reserved.

3. Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975), the trustee of the Australian Retirement Trust (ABN 60 905 115 063): (i). does not endorse these products or services; (ii). members should make their own inquiries about the products and services shown; (iii). is not an agent, dealer or promoter for the products and/or services shown; (iv). is not liable for any representations made by the suppliers of these products and services; (v). respects your privacy and does not supply your personal details to the suppliers.

4. You can find out more at art.com.au/advice or by calling us on 13 11 84. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide at art.com.au/fsg for more information.

5. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees of the Australian Retirement Trust group. The Trustee is not responsible for the advice provided by these advisers and does not receive or pay any referral fees. These advisers will explain to you how their advice fees are determined.