Retirement Calculator

Your retirement number in minutes.

See how much capital you need, how your super could grow, and where the gap is. Adjust retirement age with the slider — watch your number update live.

That number is really about buying back your time — time for family, for what you're passionate about, for life.

Your age & retirement timeline

Retiring earlier means more years to fund — drag to see how capital needed changes.

We add a 5-year buffer on top of your life expectancy when projecting how long your capital needs to last.

Annual income needed in retirement

Your total income today (before tax). Used as the reference for the question below.

Enter your current income above to see the dollar amount.

One-off withdrawals such as paying out the mortgage, car upgrade, or bucket list. We add this to your total capital needed so you can see the effect on your retirement number and gap.

Super (optional)

Enter your super balance and assumed growth to see projected balance at retirement and any shortfall. We include employer SG at 12% of income you enter below.

Employment income (e.g. salary, overtime). We use 12% as employer Superannuation Guarantee contributions.

See the cost of delaying this boost.

Assumptions & scenarios

We show your main numbers in today's dollars. Inflation is used to also show what that capital looks like in future dollars at retirement.

Presets for super growth rate; you can still override the number above.

See how a one-off fall in super at retirement would affect your gap.

Your retirement number

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All amounts are shown in today's dollars unless marked as including inflation.

The details

— Years to retirement
— Years your money needs to last (life expectancy + 5)
— Capital for income (approx.)
— Lump sum (one-off)
— Total capital needed
— Annual income needed
— Projected super at retirement
— Gap (shortfall to save)

This is an estimate only, not personal advice. Omission of data or unique variable will have a considerable influence on outcomes. Consider speaking to a licensed adviser for a plan tailored to you where personal variables will be confirmed by supporting documents specific to your preferences and circumstances

Found your number? If it helped you, someone you know might find it useful too.

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What to do next

Use these figures in your super and savings planning. Consider speaking to a licensed adviser for a personalised plan.

Get your full report Retirement readiness Other calculators

Information is intended to be only used as a guide. We highly recommend you seek professional advice from licensed professionals. Omission of detail may make scenarios and opportunities not suitable for your specific circumstances.