How Much Do You Need to Retire?

ASFA's Retirement Standard suggests singles need around $595,000 and couples around $690,000 in super at age 67 for a comfortable retirement (approximately $52,000/year for singles, $73,000/year for couples). A modest retirement requires less — around $100,000 for singles, supplemented by the Age Pension.

The 4% rule is another common benchmark: your retirement savings should be 25× your desired annual income. If you want $60,000/year, you need $1.5M. This calculator projects your super and savings growth to show when you'll hit your target. For detailed super projections, use our Super Calculator.

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Superannuation → Age Pension → Salary Sacrifice → Net Worth →
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Methodology & sources

This calculator uses current published rates from Australian government and regulator sources. The result is an estimate for general guidance — it does not constitute personal financial advice. For decisions about your circumstances, consult a registered financial adviser, tax agent, or other professional. See editorial standards for how DecisionLab sources and updates its calculator data.