Are you ahead for your age?
The median 40-year-old Australian has a net worth of $380,000 β super, property and all. Enter your details to see exactly where you rank, then let Richify build your plan to climb.
30β34
$135K
40β44
$380K
50β54
$580K
60β64
$720K
Top 10% Β· 40β44
$2.4M
Median (p50) Β· 40-44
$380,000
Above median
Top 10% (p90)
$2,400,000
Wealthy tier
Top 1% (p99)
$7,000,000
HILDA estimate
A net worth of $380,000 at age 42 places you in the 50th percentile for the 40-44 group. The median is $380,000. Sources: ABS SIH 2023-24 + HILDA Wave 23 (AUD).
$620K to the top 25%.
Richify turns your percentile into a plan β coordinating your super, property and investments to move you up, and tracking it every month.
Net worth percentiles by age β Australia
Full distribution by 5-year age band (AUD, including home equity & super). The 40β44 band is the page's hero benchmark.
Sources: ABS Survey of Income & Housing 2023-24 (banded) + HILDA Survey Wave 23 (percentile cross-tabulation), 2026 indexation. Top 1% figures are HILDA estimates. Last updated June 2026.
Net worth by age, explained
The median, average and top-tier thresholds at each key age β and what drives them.
Average net worth of a 30-year-old Australian
The median net worth of a 30-year-old Australian is approximately $135,000 (HILDA Wave 23 / ABS SIH 2023-24). At this age, super balance typically sits around $50K-$80K depending on income, with the gap between the median and the average ($310K) explained by early-career property buyers. The top 10% threshold is roughly $1.1M β usually a paid-off Sydney/Melbourne unit, a strong portfolio, or a successful business stake.
Average net worth of a 35-year-old Australian
The median net worth of a 35-year-old Australian is approximately $250,000. By 35, most Australians who will own a home have entered the market β the median jump from age 30 to 35 reflects the equity build-up on those mortgages. Super averages $120K-$160K at this age, and the top 10% threshold ($1.8M) typically indicates either a paid-down property, dual-income property investment, or a high-income tech/finance professional.
Average net worth of a 40-year-old Australian
The median net worth of a 40-year-old Australian is approximately $380,000. Age 40 is the inflection point where compound growth on super starts to materially move the needle β median super is ~$180K-$220K. The top 10% threshold is $2.4M, which the audit's GSC data identifies as a high-search-volume query (`average net worth of 40 year old australian`).
Average net worth of a 45-year-old Australian
The median net worth of a 45-year-old Australian is approximately $480,000. By 45 most home-owning Australians are 10-15 years into a 30-year mortgage with significant principal paid down, and super has compounded to ~$280K median. The top 1% threshold ($9M) at this age usually indicates business ownership, multiple investment properties, or inherited wealth β the gap between the 90th and 99th percentile widens dramatically from this age forward.
Average net worth of a 50-year-old Australian
The median net worth of a 50-year-old Australian is approximately $580,000. The 'wealth acceleration' phase peaks around 50-55: mortgages near payoff, super at ~$350K-$400K, kids leaving home, and salary at career peak. The top 10% threshold ($3.4M) is the standard FatFIRE Australia number, supporting $135K/yr drawdown at 4% SWR.
Average net worth of a 55-year-old Australian
The median net worth of a 55-year-old Australian is approximately $650,000. Age 55 is the earliest practical FIRE age in Australia because super preservation age starts here (born 1964+) β for those with super-heavy net worth, the 'preservation age unlock' is a major financial milestone. Median super at 55 is ~$430K; the top 10% threshold ($3.8M) supports comfortable retirement with no Age Pension dependency.
Average net worth of a 60-year-old Australian
The median net worth of a 60-year-old Australian is approximately $720,000. By 60, most Australians are within 2-5 years of retirement and super is the dominant asset (median ~$540K). The 90th percentile threshold ($4.1M) marks the boundary between 'comfortable retirement' (ASFA $73K/yr couple standard fully funded) and 'wealthy retirement' (premium lifestyle, international travel, optional aged care).
Frequently asked questions
What is the median net worth of an Australian by age?+
Median net worth by age in Australia (ABS SIH 2023-24 + HILDA Wave 23): under 25: ~$28K; 25-29: $58K; 30-34: $135K; 35-39: $250K; 40-44: $380K; 45-49: $480K; 50-54: $580K; 55-59: $650K; 60-64: $720K; 65+: $710K. Median is the midpoint β 50% of households at that age have less. The mean is significantly higher because of wealth concentration at the top end.
What is the average net worth in Australia by age?+
Mean (average) net worth is roughly 1.6-2.5Γ the median at every age band because of the right-skewed wealth distribution: 30-34 mean $310K (vs $135K median); 40-44 mean $720K (vs $380K median); 60-64 mean $1.28M (vs $720K median). For benchmarking, the median is the more useful number β fewer than 10% of Australians ever reach the average for their age band.
What is the top 10% net worth by age in Australia?+
The 90th percentile (top 10%) net worth thresholds: 30-34 $1.1M; 35-39 $1.8M; 40-44 $2.4M; 45-49 $2.9M; 50-54 $3.4M; 55-59 $3.8M; 60-64 $4.1M. Crossing the top-10% threshold at any age typically requires home equity in Sydney/Melbourne, a sizeable investment property or share portfolio, or business ownership. ABS+HILDA data with the Lorenz curve flattening rapidly above the 90th percentile.
What is the top 1% net worth by age in Australia?+
Top 1% (99th percentile) thresholds: 30-34 $3M; 40-44 $7M; 50-54 $11M; 60-64 $15M. These numbers come from HILDA Wave 23 cross-tabulation (ABS publishes 90th but not 99th publicly). The gap between p90 and p99 widens sharply with age β by 60+, the 99th percentile is roughly 3.7Γ the 90th percentile, reflecting compound wealth concentration at the very top.
What is the average net worth of a 40 year old Australian?+
The median 40-year-old Australian has approximately $380,000 in net worth; the average (mean) is $720,000. The wide gap reflects wealth concentration β fewer than half of 40-year-olds have $720K, but a smaller wealthy cohort pulls the average up. Top 10% at 40-44 is $2.4M; top 1% is $7M. Most of the median 40-year-old's net worth is home equity (~$200K-$250K) and super (~$180K-$220K).
Does net worth include superannuation?+
Yes β net worth in standard ABS/HILDA 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 β at age 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 are at or below the median. Example at age 50-54: if 9 households have $580K and 1 has $11M, the average is $1.62M but the median is $580K. ABS and HILDA both consistently show the mean as roughly 2Γ the median at most ages β by age 60+, the multiple narrows slightly because Age Pension and superannuation flatten the bottom-end distribution.
What's a good net worth for my age in Australia?+
A reasonable benchmark is the median for your age bracket: 30-34 $135K; 40-44 $380K; 50-54 $580K. To 'beat the average' means clearing the mean for your age, which is harder than it sounds because the mean is pulled up by the top 10%. For FIRE-aspirant Australians, the more relevant benchmark is the top-25% (p75) for your age: 30-34 $420K; 40-44 $1M; 50-54 $1.5M β clearing p75 typically puts you on track for self-funded retirement without Age Pension reliance.
Related Australian tools
Net Worth Calculator Australia β
Interactive 16-field form: super, ASX, property, HECS β get your full AUD figure.
Best Net Worth Tracker for Australia β
Why Mint, YNAB, and Empower don't handle super, HECS, or AUD. Richify vs the field.
Average Super Balance by Age β
ASFA + APRA data; super is the biggest component of net worth for most.
Retirement Calculator Australia β
Age Pension + ASFA standard. Find your retirement target.
Super Calculator Australia β
Concessional & non-concessional contributions, projection to 60.
FIRE Calculator Australia β
When can you retire early? Lean / Regular / Fat FIRE thresholds.
See how you compare every month.
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Get Richify freeData sources: ABS Survey of Income & Housing 2023-24 and HILDA Survey Wave 23, with 2026 indexation. For education only β not financial advice. Β© 2026 Richify.
