Superannuation Retirement Calculator
Superannuation Retirement Calculator
Plan your future with confidence. Use our interactive calculator to estimate how much superannuation you could have at retirement and whether you're on track to achieve your lifestyle goals.
What this calculator helps you understand:
- Your projected retirement balance & income — see how your superannuation, combined with any potential Age Pension entitlements, could fund your retirement.
- The impact of your choices — sexplore how adjusting your contributions, investment strategy, fees, or retirement age can influence your financial future.
- Work and lifestyle scenarios — assess how factors like part-time work, career breaks, or returning to the workforce affect your super balance.
- This calculator provides general information only and doesn’t consider your personal circumstances. We recommend speaking with a financial adviser before making any decisions about your retirement strategy.
Superannuation calculator
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You and your super fund
Your super
Fund fees
Investment options
FAQs - frequently asked questions
How can I improve my retirement income?
- You can grow your retirement income by making extra contributions and reviewing your investment strategy.
- Even small additional contributions — like salary sacrifice or personal contributions — can compound significantly over time. Choosing the right investment option for your age and goals, consolidating multiple funds to reduce fees, and delaying retirement by even a few years can all make a big difference.
What’s a good super balance at retirement?
- There’s no single “right” number, but industry standards give a useful guide.
- According to ASFA’s Retirement Standard, a single person may need around $595,000 and a couple around $690,000 in super (on top of the Age Pension) to retire comfortably. However, your ideal balance depends on factors like lifestyle, retirement age, health, and other assets such as savings or investments.
Should I get financial advice about my super?
- Yes — professional advice can help you maximise your retirement savings.
- While calculators are great for estimates, a licensed financial adviser can tailor a strategy to your situation, taking into account your income, goals, investment options, tax advantages, and government benefits. This personalised approach can help you feel more confident about retirement planning.
Book a no obligation consultation with a retirement planner
- Book a consultation with our award-winning financial advisers today, or complete our financial analysis form so we can tailor strategies to your situation. With personalised advice and a clear plan, you’ll be on track to the retirement you’ve been working toward.
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