Let’s start with a blunt truth: in 2025, Australian women are wealthier than ever, but they’re still significantly behind men.
And that gap matters.
Because wealth isn’t just about flashy lifestyles or living large — it’s about security, opportunity, choices, and resilience in the face of life’s inevitable challenges.
And at the national level, it’s about unlocking the full potential of half our population.
So, when the latest Finder State of Women’s Wealth Report dropped recently, I was keen to dig into the numbers.
And while there are definitely green shoots of progress, there are still some thorns embedded deeply in Australia’s financial garden.
Let’s unpack the data, understand the underlying causes, and explore what needs to change — both structurally and socially — to level the playing field.
The numbers don’t lie: the wealth gap is real
According to Finder, the average net wealth for Australian women in 2025 is $428,000.
That’s not insignificant — and in fact, it represents steady growth compared to previous years.
But for Australian men, the figure sits at $597,000.
That’s a 40% gap.
Not in income.
Not in superannuation.
In overall wealth.
Source: Finder.com.au
We’re talking about the accumulated value of property, investments, super, savings — everything.
And what’s even more interesting is that the median wealth gap is slightly narrower, at $74,000 — which suggests that the biggest disparities lie at the top end of the wealth spectrum.
In other words, wealthy men tend to get wealthier faster than wealthy women.
But regardless of whether you look at the average or the median, the picture’s clear: women are still behind.
And it’s not for lack of trying.
Why are women falling behind?
This isn’t a simple case of “men invest more” or “women spend more” — that’s an outdated stereotype and one that doesn’t hold water in 2025.
Instead, this is a structural issue, with deep roots and complex causes.
- The gender pay gap still lingers
Let’s start with the obvious: women still earn less.
On average, women in Australia earn 12% less than men for full-time work (WGEA, 2024 data).
That figure is improving slowly, but when you compound that over a lifetime, it has huge implications for wealth accumulation.
- Women take time out to care
This one’s massive.
Career interruptions for parenting, elder care, or both are still disproportionately taken by women.
Time out of the workforce means fewer opportunities for promotion, less super contribution, and smaller buffers for saving or investing.
Even when women re-enter the workforce, it’s often in part-time or flexible roles, which tend to be lower-paying and have fewer benefits.
- Investment behaviours differ
Finder’s report showed that while 65% of men invest in shares, only 51% of women do.
And when women do invest, they tend to lean toward lower-risk, lower-return options — more cash, fewer equities, less leverage.
Now, there’s nothing wrong with being cautious.
But over a 30-year investment horizon, taking less risk also means missing out on the kind of compounding returns that turbocharge wealth, especially when it comes to property or the stock market.
- Financial literacy and confidence gaps
Interestingly, women are increasingly financially literate, but confidence still lags.
Many women underestimate their ability to manage money or grow wealth, and that lack of confidence can be a barrier to taking proactive steps like buying an investment property or seeking strategic advice.
This is where independent strategic advice - the kind we offer at Metropole - can make a world of difference.
What the bright spots show us
Despite all this, it’s not all doom and gloom.
In fact, there’s plenty to feel encouraged about.
- Women are becoming more active investors
More women are entering the investing world, particularly younger women.
Gen Z females are embracing micro-investing, ETFs, and property ownership earlier than previous generations — a promising sign for future equality.
- Property ownership is growing among women
In Victoria, women now outnumber men in first-home purchases.
And across the country, women are taking control of property decisions, often buying on their own or with other women.
Given the long-term capital growth potential of well-located real estate, this trend is vital for building future wealth.
- Engagement with super is rising
More women are engaging with their super funds — consolidating accounts, increasing contributions, and choosing growth options.
According to Firstlinks, women are closing the super gap faster than ever, even if it's still present.
Source: Finder.com.au
Why the gender wealth gap matters
Now, some might ask: why does it really matter?
Well, here’s why:
- Retirement security: Women live longer than men, yet retire with significantly less super. Many older women find themselves struggling financially in their 60s and 70s.
- Housing vulnerability: Without adequate wealth, single women (especially over 55) are at greater risk of housing stress or homelessness, the fastest-growing demographic in this space.
Source: Finder.com.au
- Economic underutilisation: When women don’t accumulate wealth, we’re collectively leaving trillions of dollars in economic potential on the table.
Put simply, closing the wealth gap isn’t just a moral issue — it’s an economic one.
What needs to change (and how we can help)
It’s easy to get overwhelmed by the scale of the challenge.
But meaningful progress will come through a mix of policy, education, and mindset shifts.
Here’s what I believe we need more of:
- Financial education for girls and women at every stage
From schools to workplaces to retirement seminars, financial knowledge should be embedded throughout a woman’s life.
And not just budgeting.
We need to teach investing, tax strategy, property, and wealth-building.
- Structural policy reforms
Things like super contributions on parental leave, accessible childcare, and gender-neutral parental leave policies can make a massive difference in keeping women economically active and secure.
- More role models and visibility
Women need to see other women building wealth.
We need to hear their stories. To see them investing in property, growing portfolios, and planning for legacy wealth.
- Tailored advice from people who understand
Generic financial advice doesn’t cut it.
Women need guidance that takes into account their unique life journeys — from career interruptions to risk tolerance.
That’s where a strategic plan tailored to their situation becomes invaluable.
At Metropole, we’ve worked with thousands of successful women — executives, professionals, single mums, business owners — who’ve built serious wealth through property.
But it starts with a strategy.
With clarity.
With a plan.
Final thoughts
We’ve come a long way — but we’ve got work to do.
The 2025 State of Women’s Wealth report isn’t just a data set — it’s a call to action.
We can’t afford to let structural barriers, outdated mindsets, or lack of confidence hold back half of our population.
When women build wealth, families thrive, communities prosper, and the whole economy benefits.
Let’s celebrate the wins, but also commit to closing the gap, once and for all.
