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🏖️ Retirement Planning

Retirement Savings Calculator

How much do you need to retire? Calculate your retirement savings goal based on your desired lifestyle.

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Monthly Savings Needed
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About This Retirement Savings Calculator

This retirement calculator estimates how much you may need to retire and whether your savings and super are on track, based on your current age, retirement age, balance and spending. It helps you picture the gap between where you are and where you want to be.

This is general information only and not financial advice. Retirement depends on super, the Age Pension, investment returns and how long you live. For a personal plan, speak with your super fund or a licensed adviser.

Frequently Asked Questions

How much do I need to retire in Australia?+
It depends on your lifestyle and whether you'll receive the Age Pension. The ASFA Retirement Standard publishes commonly used benchmarks for a modest or comfortable retirement.
Will the Age Pension be enough?+
For many people the Age Pension alone provides only a modest lifestyle. Super and other savings usually top it up for a more comfortable retirement.
What is the 4% rule?+
A rough guide suggesting you can withdraw about 4% of your retirement savings each year. It's a starting point, not a guarantee.

Related Tools

→ Super Calculator→ Super Projector→ Savings Calculator

RELATED GUIDE

How Much Do You Need to Retire?

A clear guide to the retirement number: why it depends on your spending, the role of the 25x rule and withdrawal rates, and the factors that change the answer.

Read the full guide →