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 and drawdown with the sliders — 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.

Drawdown & annual income

Typical sustainable drawdown is around 4%. Higher = less capital needed but more risk of outliving savings.

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

Used to show capital needed in future dollars at retirement.

Presets for growth and drawdown; you can still override the numbers above.

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

Retirement budget (default allocations)

Major expenses as % of total budget. Adjust the total budget and standard of living scenario below if you want to override that category.

  • Housing 22%
  • Transport 10%
  • Health 10%
  • Utilities 5%
  • Insurance 6%
  • Discretionary (standard of living, leisure & other) 47%
Standard of living. Monthly discretionary spending — 3 scenarios (annual $)

Your retirement number

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The details

Years to retirement —
Years in retirement —
Capital needed (approx.) —
Annual income needed —
Projected super at retirement —
Gap (shortfall to save) —

Budget breakdown (with chosen standard of living scenario)
Category Amount ($)

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 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.