Retirement calculator
How Much Super Do I Need to Retire?
Work backwards from the retirement income you want: see the lump sum needed to fund it, how the Age Pension shrinks that target, and how it compares with the ASFA comfortable benchmark.
Super needed at retirement
$0
Enter your details to estimate your target.
Years of retirement funded0
Income your super must cover$0 / year
Covered by the Age Pension$0 / year
Simple "×25 rule" estimate$0
Lump sum needed$0
The lump sum is what your savings need to be worth on day one of retirement, in today's dollars, so that drawing your target income leaves the balance near zero at your "plan to" age. Want to know if you'll get there? Project your balance with thesuper projection calculator, or estimate your pension with the Age Pension calculator.
This calculator provides a simplified estimate for general guidance only, not financial advice. It assumes a constant real return and a level income drawn until your "plan to" age, and treats any Age Pension amount you enter as constant — in practice a part pension usually increases as your assets run down. It ignores tax inside super (zero in pension phase for most people), minimum drawdown rules, aged-care costs and market sequencing risk. ASFA comfortable benchmarks (February 2026): $54,837 a year single / $77,375 couple, with lump sums of $630,000 / $730,000 assuming home ownership and a part Age Pension. Speak to a licensed adviser about your own situation.