Average Australia Net Worth by Age
Understanding how household wealth grows across life stages provides context for your own goals. The figures below aggregate median and top quartile net worth values (in Australian dollars) for each age bracket. Use them as guideposts—not rigid targets—to assess whether your current savings and investment plan keeps pace with peers.
Net Worth Benchmarks by Age
| Age Range | Median Net Worth (AUD) | Top 25% Net Worth (AUD) |
|---|---|---|
| 18-24 | 42,000 | 120,000 |
| 25-29 | 92,000 | 220,000 |
| 30-34 | 210,000 | 430,000 |
| 35-39 | 360,000 | 680,000 |
| 40-44 | 470,000 | 880,000 |
| 45-49 | 610,000 | 1,110,000 |
| 50-54 | 720,000 | 1,260,000 |
| 55-59 | 820,000 | 1,470,000 |
| 60-64 | 930,000 | 1,650,000 |
| 65-69 | 980,000 | 1,720,000 |
| 70-74 | 970,000 | 1,690,000 |
| 75+ | 910,000 | 1,540,000 |
How To Interpret These Numbers
Wealth trajectories differ depending on income, geography, and asset mix. Consider the following:
- In your 20s and early 30s, student debt and entry-level salaries typically suppress net worth. Focus on establishing a buffer and consistent superannuation contributions.
- During the 40s and 50s, property appreciation and higher super balances generally accelerate wealth accumulation.
- After 65, drawdowns for retirement living costs may slow net worth growth—plan for longevity with a sustainable withdrawal strategy.
Try our finance scorecard
Use our finance scorecard to input your own figures and see how they compare to the benchmarks.
Finance ScorecardApply The Benchmarks
- Compare your net worth to the table above. If you are below the median, target higher savings rates or debt reduction to close the gap.
- Use our Australian net worth percentile calculators to input your exact figures and household details.
- Read How do I compare my net worth to others my age? for practical ways to improve your percentile standing.
Keep The Momentum Going
Curious about broader benchmarks, including national percentiles? Explore the companion overview: Australian Net Worth Benchmarks & Comparisons.