Transparent benchmarks built from real Australian data — including the ABS Household Income and Wealth Survey 2021–22 and ASFA retirement projections — so you can understand exactly where your numbers come from.
Our benchmarks are derived from publicly available Australian government and industry statistics. We do not make up numbers - every benchmark traces back to a primary source.
We group Australians into age bands that align with the published ABS and ASFA data releases. These bands reflect meaningful life stages where financial behaviour and expectations differ significantly.
| Age Band | Life Stage | Key Financial Focus |
|---|---|---|
| 18-24 | Early career / education | First income, entry-level savings, minimal super |
| 25-29 | Establishing career | Growing income, rental or first home saving, early investments |
| 30-34 | Career growth | Mortgage, family formation, accelerating wealth building |
| 35-39 | Prime earning years begin | Asset accumulation, debt reduction, super growth |
| 40-44 | Peak earning | Net worth growth, investment diversification |
| 45-54 | Wealth consolidation | Retirement planning, property equity, portfolio maturity |
| 55-64 | Pre-retirement | Super drawdown planning, debt clearance, income preservation |
Each band uses its own set of benchmark figures. Comparing yourself to the wrong age group would produce misleading results, so we ask for your age and use it to select the correct reference data.
The table below shows the approximate median figures used as our reference benchmarks, sourced from the ABS Household Income and Wealth Survey 2021–22.
| Age Group | Median Net Worth | Median Income | Median Savings | Median Super |
|---|---|---|---|---|
| 25–29 | $65,000 | $68,000 | $12,000 | $28,000 |
| 30–34 | $168,000 | $82,000 | $28,000 | $65,000 |
| 35–39 | $318,000 | $89,000 | $45,000 | $112,000 |
| 40–44 | $486,000 | $91,000 | $58,000 | $168,000 |
| 45–54 | $621,000 | $87,000 | $62,000 | $215,000 |
| 55–64 | $877,000 | $76,000 | $58,000 | $312,000 |
All figures are approximate medians in today's Australian dollars.
See also: Australian net worth by age → · How much super by age →
A percentile rank tells you what percentage of Australians in your age group you are ahead of. If you're at the 70th percentile for income, it means 70% of Australians your age earn less than you, and 30% earn more.
We map each of your figures against the published percentile distribution for your age band, using linear interpolation between published data points to estimate your exact percentile rank.
This is a well-established statistical approach used in academic and policy research when working with published distribution summaries rather than raw microdata.
Your financial position score is built from a transparent, repeatable process. Here's exactly what happens when you submit your details:
You enter your financial snapshot — income, savings, superannuation balance, investments, and total debt.
We benchmark each category against the ABS data for your age group, selecting the appropriate age band automatically.
We calculate a percentile rank for each category using linear interpolation between published ABS percentile breakpoints.
We combine these into an overall financial position score, weighting each category by its relative importance to long-term financial wellbeing.
We calculate your financial age — the median age of Australians who hold a similar overall score.
Our benchmarks are approximations based on published averages and distributions. There are important limitations to keep in mind:
Geographic variation: Financial outcomes differ significantly between Sydney, Melbourne, regional areas and rural Australia. Our benchmarks reflect national averages.
Data lag: Published survey data is typically 12-24 months behind the current date. We update benchmarks when new releases are available.
High-income tail: Published percentile data often under-represents the very top of the income and wealth distribution. If you're above the 95th percentile, our estimates become less precise.
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