Burn Factor Calculator

The real cost of waiting.

Every year you delay saving or investing, compound growth works against you. See how much you lose — and how much extra you'd need to contribute later to catch up.

Every minute you work to earn income is a minute you don't get back with the people you love or doing what matters most to you.

Your savings plan

Shows how many days of work the burn equals.

The delay

How many years might you wait before starting (or increasing) contributions?

Drag to see how the opportunity cost grows.

Your burn

—

Every minute you work to earn that money is a minute away from the people you love or the passions you want to pursue.

The details

Future value if you start now —
Future value if you delay —
Opportunity cost (burn) —
Extra per month to catch up —
Equivalent to (days of work for free) —

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

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What to do next

Use this number when deciding whether to start or increase super or investment contributions now. Even small, regular contributions add up when you start early.

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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.