Are you ahead for your age?
The median household in the 35–44 band has a net worth around $631,000 — super, property and all. Enter your details to see exactly where you rank, then let Richify build your plan to climb.
Median net worth by age in Australia (ABS SIH 2019-20, indexed to 2026): it climbs from about $277K at 25–34 to $631K at 35–44 and $1.26M at 45–54, peaks near $1.57M at 55–64, then eases in retirement. Full by-age medians (AUD, including super & home equity): 15–24 $55K · 25–34 $277K · 35–44 $631K · 45–54 $1.26M · 55–64 $1.57M · 65–74 $1.46M · 75+ $1.14M. The median is the midpoint — half of households that age hold less. Figures are ABS SIH 2019-20 (the latest ABS wealth survey) indexed forward ~57% by household net worth per capita — indexed estimates, not a new survey.
25–34
$277K
35–44
$631K
45–54
$1.26M
55–64
$1.57M
Top 10% · 35–44
$2.4M
Median (p50) · 35–44
$631,200
Below median
Top 10% (p90)
$2,410,000
Wealthy tier
Top 1% (p99)
$7,184,000
Modelled band
A net worth of $380,000 at age 42 places you in the 30th percentile for the 35–44 group. The median is $631,200. ABS SIH 2019-20 indexed to 2026; percentile bands modelled (AUD).
$251K to the median.
Richify turns your percentile into a plan — coordinating your super, property and investments to move you up, and tracking it every month.
Median net worth in Australia 2026
The “typical” Australian household net worth by age band — what it is, what it isn't, and why it differs sharply from the average.
Median, 25–34
$277K
Early-career band
Median, 35–44
$631K
GSC hero benchmark
Median, 55–59
$650K
Pre-retirement peak
Median, 65–69
$710K
Retirement-stage peak
The median is the 50th percentile — exactly half of Australian households at each age band have more net worth than the figure shown, half have less. It's a far better headline than the mean: across every age band the Australian mean is roughly 1.6× to 2.5× the median, distorted by wealth concentration at the top (top-1% holdings reach $9M–$15M by age 50+). For benchmarking a “typical Australian,” the median for your age band is the right anchor.
Source: median and mean net worth by age of reference person from the ABS Survey of Income and Housing 2019-20 — the most recent published ABS wealth release (the ABS cancelled the 2021-22 cycle and did not proceed with the 2023-24) — indexed forward to 2026 by the ~57% growth in ABS household net worth per capita since Jun-2020. The median and mean are ABS figures indexed; the percentile bands (p10/p25/p75/p90/p99) are Richify modelled estimates, because ABS publishes deciles nationally but not by age. These are indexed estimates, not a new survey.
Net worth percentiles by age — Australia
Full distribution by ABS 10-year age band (AUD, including home equity & super). The 35–44 band is the page's hero benchmark.
Sources: median and mean by age from the ABS Survey of Income & Housing 2019-20, indexed to 2026 by ABS household net worth per capita (cat. 5232.0). Percentile bands (p25/p75/p90/p99) are Richify modelled estimates — ABS publishes deciles nationally, not by age, and no top-1% at all. Indexed estimates, not a new ABS release. Last updated June 2026.
Net worth by age, explained
The median, average and top-tier thresholds at each key age — and what drives them.
Average net worth of a 30-year-old Australian
In the 25–34 age band, the median Australian household net worth is about $277,000 (ABS SIH 2019-20 indexed to 2026; ABS reports net worth in 10-year bands). The gap to the ~$557K average for the band reflects a minority of early property owners. Super is usually small at this age (a median around $40K at 30–34), so most net worth is home equity for those who have bought and savings for those who haven't. The modelled top-10% band sits near $1.26M.
Average net worth of a 35-year-old Australian
In the 35–44 band, the median household net worth is about $631,000 (ABS SIH 2019-20 indexed to 2026). By the late 30s most Australians who will own a home have entered the market, and equity build-up drives the jump from the 25–34 band. The band average is about $1.09M — well above the median, because a wealthy minority pulls the mean up. The modelled top-10% band is roughly $2.4M.
Average net worth of a 40-year-old Australian
In the 35–44 band (which includes age 40), the median household net worth is about $631,000 (ABS SIH 2019-20 indexed to 2026). Age 40 is where compounding on super and a decade of mortgage paydown start to move the needle — median super is around $100K at 40–44. The band average is about $1.09M and the modelled top-10% band roughly $2.4M. This band matches the high-volume query 'average net worth of 40 year old australian'.
Average net worth of a 45-year-old Australian
In the 45–54 band, the median household net worth is about $1.26M (ABS SIH 2019-20 indexed to 2026). By the late 40s most home-owning households are well into paying down a mortgage, and super has compounded to a median near $161K at 50–54. The band average is about $1.77M. The very top (a modelled top-1% near $8.6M for this band) typically means business ownership, multiple properties or inherited wealth — and ABS does not publish a top-1% by age, so treat that figure as an estimate.
Average net worth of a 50-year-old Australian
In the 45–54 band (which includes age 50), the median household net worth is about $1.26M (ABS SIH 2019-20 indexed to 2026). The wealth-acceleration phase peaks around 50–55: mortgages near payoff, super building toward a median near $161K, and salary at its career peak. The band average is about $1.77M and the modelled top-10% band roughly $3.6M.
Average net worth of a 55-year-old Australian
In the 55–64 band, the median household net worth is about $1.57M (ABS SIH 2019-20 indexed to 2026) — the highest of any band, as home equity and super both peak before drawdown. Age 55 matters because super preservation age applies from 60 for those born 1964+. Median super is around $185K at 55–59. The band average is about $2.39M and the modelled top-10% band roughly $5.1M.
Average net worth of a 60-year-old Australian
In the 55–64 band (which includes age 60), the median household net worth is about $1.57M (ABS SIH 2019-20 indexed to 2026). By 60 most households are within a few years of retirement and super is a dominant asset (a median around $203K at 60–64). The band average is about $2.39M. Net worth then eases through retirement as households draw down — the 65–74 band median is about $1.46M.
Frequently asked questions
What is the median net worth of an Australian by age?+
Median household net worth by age of reference person, from ABS Survey of Income and Housing 2019-20 (the latest ABS wealth survey) indexed to 2026 by the ~57% growth in household net worth per capita: 15–24 ~$55K; 25–34 ~$277K; 35–44 ~$631K; 45–54 ~$1.26M; 55–64 ~$1.57M (the highest); 65–74 ~$1.46M; 75+ ~$1.14M. National median ~$912K. Median is the midpoint — half of households at that age have less. The mean is significantly higher because of wealth concentration at the top. ABS publishes 10-year bands; these are indexed estimates of 2019-20 data, not a new survey.
What is the average net worth in Australia by age?+
Mean (average) net worth runs well above the median because the distribution is right-skewed. Indexed ABS SIH 2019-20 means by age: 25–34 ~$557K (vs $277K median); 35–44 ~$1.09M (vs $631K); 45–54 ~$1.77M (vs $1.26M); 55–64 ~$2.39M (vs $1.57M). For benchmarking, the median is the more useful number — most Australians never reach the average for their age band.
What is the top 10% net worth by age in Australia?+
Modelled 90th-percentile (top 10%) net worth bands, anchored to the ABS mean and median for each age band and indexed to 2026: 25–34 ~$1.26M; 35–44 ~$2.41M; 45–54 ~$3.63M; 55–64 ~$5.08M; 65–74 ~$5.88M. These are estimates — ABS publishes deciles nationally (the 2019-20 national P90 was $2.26M) but not by age, so a by-age top-10% is modelled, not official. Crossing it typically requires Sydney/Melbourne home equity, a sizeable investment portfolio, or business ownership.
What is the top 1% net worth by age in Australia?+
There is no official top-1% net worth by age: ABS does not publish a 99th percentile, by age or nationally. Any such figure — including the modelled bands this tool shows, which rise from roughly $4M in the 25–34 band to the tens of millions by 55+ — is an estimate extrapolated from the ABS mean and median, and should be read as indicative only. The gap between the 90th and 99th percentile widens sharply with age, reflecting wealth concentration at the very top.
What is the average net worth of a 40 year old Australian?+
Age 40 falls in the ABS 35–44 band, where the indexed median household net worth is about $631,000 and the average (mean) about $1.09M (ABS SIH 2019-20 indexed to 2026). The wide gap reflects wealth concentration — most 40-year-olds sit near the median, while a wealthy minority pulls the average up. Most of a median 40-year-old's net worth is home equity plus super (a median super balance near $100K at 40–44).
Does net worth include superannuation?+
Yes — net worth in standard ABS methodology includes all assets: principal home + investment property, super balance, savings, shares, business interests, vehicles, household contents, and life-insurance cash value, minus all liabilities (mortgages, HECS-HELP, credit cards, personal loans). Super is typically the second-largest asset after the principal home — at 55–64, super often equals or exceeds home equity for median Australians.
Why is the average so much higher than the median?+
Right-skewed distribution. A small number of very-high-net-worth households pull the mean upward, but most Australians sit at or below the median. In the ABS data the mean runs roughly 1.5×–2× the median at most ages — for the 55–64 band, an indexed mean near $2.39M against a median of $1.57M. That is why headlines quoting the 'average' make people feel behind when they are not; the median for your age band is the honest benchmark.
What's a good net worth for my age in Australia?+
A reasonable benchmark is the ABS median for your age band (indexed to 2026): 25–34 ~$277K; 35–44 ~$631K; 45–54 ~$1.26M; 55–64 ~$1.57M. Clearing the modelled top-25% (p75) band for your age — roughly $614K at 25–34, $1.28M at 35–44, $2.2M at 45–54 — typically puts you on track for a self-funded retirement with less Age Pension reliance.
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Average net worth in other countries
Compare where you'd rank across the major English-speaking economies — each with its own national survey data.
See how you compare every month.
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Get Richify freeData sources: ABS Survey of Income & Housing 2019-20 (median/mean by age), indexed to 2026 by ABS household net worth per capita; percentile bands are Richify modelled estimates. For education only — not financial advice. © 2026 Richify.
