Are you ahead for your age?
The median 40-year-old Australian has a net worth of $380,000 — super, property and all. Enter your details to see exactly where you rank, then let Richify build your plan to climb.
30–34
$135K
40–44
$380K
50–54
$580K
60–64
$720K
Top 10% · 40–44
$2.4M
Median (p50) · 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. Richify estimates from ABS SIH 2019-20 + HILDA Wave 22, indexed to 2026 (AUD).
$620K to the top 25%.
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, 30–34
$135K
Early-career band
Median, 40–44
$380K
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: Richify estimates derived from the ABS Survey of Income and Housing 2019-20 (the most recent published ABS wealth release — the ABS did not proceed with the SIH 2023-24) combined with the HILDA Survey Wave 22 (2022) wealth module, indexed to 2026. These are modeled estimates, not official ABS figures, and ABS publishes household-wealth data far less frequently than StatCan SFS or Fed SCF cycles. For the full p25/p50/p75/p90/p99 distribution and age-by-age commentary, see the table and explainers below.
Net worth percentiles by age — Australia
Full distribution by 5-year age band (AUD, including home equity & super). The 40–44 band is the page's hero benchmark.
Sources: Richify estimates derived from the ABS Survey of Income & Housing 2019-20 (banded) + HILDA Survey Wave 22 (2022 wealth-module percentile cross-tabulation), indexed to 2026. These are modeled estimates, not official ABS releases; the ABS did not publish the SIH 2023-24. Top 1% figures are HILDA-based. 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
The median net worth of a 30-year-old Australian is approximately $135,000 (Richify estimate; ABS SIH 2019-20 + HILDA Wave 22, indexed to 2026). 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 — 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 — 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 — 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 — 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+) — 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 (Richify estimates indexed to 2026, derived from ABS SIH 2019-20 + HILDA Wave 22): 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 — 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 1.6-2.5× 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 — 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 are Richify estimates from a HILDA Wave 22 (2022 wealth module) cross-tabulation, indexed to 2026 (ABS publishes 90th but not 99th publicly). The gap between p90 and p99 widens sharply with age — by 60+, the 99th percentile is roughly 3.7× 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 — 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 — 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 — 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 2× the median at most ages — 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 — clearing p75 typically puts you on track for self-funded retirement without 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: Richify estimates derived from the ABS Survey of Income & Housing 2019-20 and the HILDA Survey Wave 22 (2022 wealth module), indexed to 2026 — modeled estimates, not official ABS releases. For education only — not financial advice. © 2026 Richify.
