Benchmarks
How do you compare to other Australians?
Median net worth, target savings rates, and household spending averages — by age bracket, sourced from ABS HES, ATO data, and APRA. Use these as a sense-check, then track your real numbers in Frank.
Net worth by age
The on-track number for an Australian.
"Net worth" = everything you own (home, super, investments, cash) minus everything you owe (mortgage, HECS, credit cards). These are the figures most personal-finance researchers cite as median, on track for a working-age Australian.
Age 25
$50,000
Age 30
$150,000
Age 35
$300,000
Age 40
$500,000
Age 45
$700,000
Source: composite of ABS Survey of Income & Housing (SIH) median household wealth + financial-literacy research targets. Includes super.
Target savings rate
% of net income kept
Below this and your retirement timeline slips. Above it and you're outperforming most of your cohort.
Monthly surplus target
After expenses, before investing
What's left after rent / mortgage, bills, food, and discretionary spend — directable to investments, debt, or super.
Household spending
Where the average AU household's money goes.
Discretionary categories only — excludes rent / mortgage, utilities, and insurance, which vary too much by location to benchmark cleanly. Total below is monthly across these eight categories.
Source: ABS Household Expenditure Survey adjusted to 2024 dollars. Means, not medians — extremes pull the average up.
Asset allocation by age
How a balanced portfolio shifts as you age.
At 25 most of your wealth is cash + a tiny bit of super. By 45 most of it should be in property, shares, and super — with cash held only for emergencies. These are reasonable defaults, not personal advice.
| Age | Property | Shares | Super | Cash | Other |
|---|---|---|---|---|---|
| Age 25 | 0% | 20% | 30% | 40% | 10% |
| Age 30 | 20% | 20% | 30% | 20% | 10% |
| Age 35 | 30% | 20% | 30% | 15% | 5% |
| Age 40 | 35% | 20% | 30% | 10% | 5% |
| Age 45 | 35% | 20% | 35% | 5% | 5% |
Source: composite of APRA superannuation default-fund glide paths and ABS Survey of Income & Housing household-asset composition by age. Indicative only — actual targets depend on goals, risk tolerance, and household structure.
Sources
Where these numbers come from.
Australian Bureau of Statistics
Survey of Income & Housing (SIH) and Household Expenditure Survey (HES)
Median household wealth, asset composition, household spending by category.
View source →
Australian Taxation Office
Taxation statistics, individual income data
Income distributions, savings-rate norms, deduction patterns.
View source →
APRA
Quarterly superannuation performance, default fund composition
Super balance benchmarks by age, default-fund glide paths.
View source →
Reserve Bank of Australia
Statistical tables — household finances, lending rates
Mortgage-rate context, household debt-to-income ratios.
View source →
Numbers above are derived from these sources and adjusted to current-year dollars where applicable. Targets (savings rate, surplus, allocation) are widely-cited financial-literacy heuristics, not personal advice. Every panel cites its primary source inline.
See where you stand.
Frank pulls your real numbers and shows you against these benchmarks live — net worth, savings rate, allocation. No spreadsheet required.
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