There’s no single benchmark that applies to everyone. The amount you need in super depends on your lifestyle goals, retirement age, other assets and whether you expect to receive any Age Pension benefits.

While industry “rules of thumb” can provide a rough guide, they don’t account for individual circumstances. A more meaningful approach is to assess how much retirement income you’ll need — and whether your current super trajectory is likely to support that outcome.

Superannuation advice focuses less on comparing balances and more on understanding whether your strategy aligns with your long-term objectives.