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Quick Answer
Upgrading from the RTX 3060 Ti to the RTX 4060 is not worth it. The RTX 4060 is only 5-10% faster in rasterization. The main gains are DLSS 3 Frame Generation and better power efficiency. Wait for the RTX 5060 for a meaningful 40-50% performance jump.
The biggest difference is DLSS 3 Frame Generation, exclusive to RTX 40-series. In supported games, the RTX 4060 can be 30-50% faster than the 3060 Ti. However, Frame Gen adds latency, and not all games support it.
Instead of a lateral move to the 4060, save for an RTX 4070 ($750 AUD, net ~$470) for a 40-50% rasterization improvement. Or wait for the RTX 5060 which should offer the same jump at the 4060's price point.
Our Verdict
The RTX 3060 Ti to 4060 upgrade is not worthwhile. The rasterization gain is too small, and DLSS 3 is the only significant improvement. Save for an RTX 4070 or wait for next generation for a meaningful upgrade.
Yes, upgrading from the RTX 3060 Ti to the RTX 4070 is worth it. The RTX 4070 is 45-55% faster in rasterization and adds DLSS 3 Frame Generation. At a net cost of ~$470 AUD after selling your 3060 Ti, this is a meaningful generation-over-generation upgrade.
The RTX 4060 is 10-15% faster than the RX 7600 in rasterization and significantly better in ray tracing. It also has DLSS 3 Frame Generation. However, the RX 7600 costs $50 AUD less. The RTX 4060 is the better GPU; the RX 7600 is the better deal.
If your current GPU handles your games acceptably, waiting for RTX 5000 is reasonable. The RTX 5070 is rumored to match or exceed RTX 4080 performance at the RTX 4070 price point. If your current GPU is struggling, buy the RTX 4070 now rather than suffering for months.