How Much Super Should You Have at 30, 40, and 50?
Median super balances at 30, 40, and 50 in Australia, benchmarked against the ASFA Comfortable and Modest Retirement Standards and against a faster FIRE trajectory.

Median super balances at 30, 40, and 50 in Australia, benchmarked against the ASFA Comfortable and Modest Retirement Standards and against a faster FIRE trajectory.

The exact super balance needed to retire at 50, 55, or 60 in Australia — for three spending levels — plus the bridge portfolio that covers the gap before super unlocks.

Retiring at 45 in Australia gives you more runway, more super, and more flexibility than retiring at 40. Here is the exact portfolio strategy, tax structure, and timeline.

Retiring at 40 in Australia is achievable on a dual-portfolio strategy — super bridge plus taxable investments. Here’s the exact math, tax structure, and timeline.

Leaving Australia for FIRE doesn’t mean losing your super, but the access rules, the 65% DASP trap, and non-resident withdrawal tax all need to be understood before you go.

Your super is locked until 60, here is the two-portfolio structure Australian FIRE practitioners use to bridge the gap and retire well before then.

Everything Australians need to know about FIRE: your Freedom Number in AUD, super strategy, index funds (DHHF vs VDHG), and how to retire before 60.