How much money do you have in savings? We asked more than 150 Mamamia readers.

"Scared." "Nervous." "Stressed for the future."

These are a sample of the responses women had after Mamamia asked how they were feeling about their financial situation as the financial year drew to a close.

These responses are not isolated.

In our survey, we asked women how much they had saved, how much they were trying to save each month, what they earned — and how they were feeling about the future. More than 150 Australian women bravely shared their savings reality and those words appeared even amongst those with comfortable salaries.

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If you're wondering how your situation compares, here's what our respondents said:

At the lower end, several participants reported having minimal savings.

An 18-to-27-year-old brand partnerships executive working full-time, earning $75,000 per year, currently has $500 sitting in her savings. She has no stock and is attempting to add $500 to her savings per month. She is single and renting.

A 44-to-59-year-old executive assistant working full-time in the education sector reported earning $106,000 per year. She currently has $5000 sitting in savings, has no stocks, and aims to put $200 aside per month. She is married, with a mortgage.

A 44-to-59-year-old associate director in consulting, who works full-time, said she earns $200,000 per year. She has $300 in savings, no stocks and isn't managing to save anything per month at the moment. She described herself as a single mum who has two dependents, with no child support and a large mortgage.

Many participants fell into the $10,000-$50,000 savings range, representing what might be considered typical emergency funds or short-term savings goals.

Image: Getty.

An 18-to-27-year-old veterinarian who works as a contractor, said she earns $150,000 per year. She has $25,000 in savings, with $4000 in stock. She aims to save $3000 per month, is single and is house-sharing with two other people.

A 28-to-43-year-old occupational therapist working part-time in the healthcare industry who earns 120,000 per year, said she has $20,000 sitting in savings. She reported being unable to save much monthly, explaining she tends to have "big lump sums — tax returns etc". She said she was married, with a mortgage.

A 44-to-59-year-old full-time product manager in the IT sector said she earns $175,000 per year and has $50,000 in savings and $50,000 in stock options. She said she saves around $3000 a month, is married and owns a home "outright".

There were, however, some women in a better position.

A 28-to-43-year-old owner in strata management, who worked full-time, said she earned $130,000 per year and had $150,000 in savings. She was single and an outright homeowner, with two investment properties and a business. She said the amount she saves monthly is "not specific".

A 44-to-59-year-old senior mine accountant working full-time said she earned $180,000 per year, and had $508,000 in her savings. She aimed to save $5000 a month, had $5000 in stock, was single and renting.

And a 28-to-43-year-old stay-at-home mum said she had $350,000 in savings, and was trying to save "as much as possible" per month. She said she was married, and an outright homeowner, with "no debt at all." (That's the dream, right!?)

Age and life-stage patterns.

Clear patterns emerged across age groups. Younger participants (18-27) often had lower savings amounts, which aligns with early career earnings and higher lifestyle expenses. Meanwhile, participants in the 44 to 59 age bracket showed more varied savings levels, reflecting different life circumstances, career progression, and financial priorities.

Many respondents reported they were able to save a consistent amount, with common figures being $500, $1,000, $1,500, and $2,000 per month. A significant number of women save whatever is left over after expenses, or an amount that "depends" and "varies" each month. And several respondents indicated they save $0, or that their money goes towards mortgage repayments or paying down debt instead of savings.

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Beyond the numbers, participants' feelings about their financial situations varied dramatically.

The senior mine accountant with $508,000 in savings felt "pretty good" about her situation, while the brand partnerships executive who had $500 in savings said she felt "helpless."

Many participants noted how housing costs affected their ability to save. Those with mortgages often prioritised paying down debt over building savings, while renters found the challenge of high rental costs ate into their capacity to save for future home-ownership.

So, whether you have $500 or $50,000 tucked away, the women in our survey proved something important; your worth isn't measured by your bank balance, and financial anxiety doesn't discriminate based on income.

Financial circumstances vary wildly based on age, income, family situation, housing costs, debt, and personal financial management skills.

The clear takeaway is that there's no "normal" amount for Australian women to have in savings, but across the board, we're feeling the pinch.

Image: Getty.