Understanding how much you will need to fund your lifestyle in retirement can be difficult.

YOUR FUTURE LIFESTYLE

Use this calculator to review what you spend now, and how your spending may change in the future. In just a few simple steps, you can set a savings goal for your future.

This interactive calculator can help you get an idea of what percentage of your current salary you will need in retirement, and see how small lifestyle changes could make your savings last longer.

Javascript is disabled or your browser is not supported

Please enable javascript or update to a modern browser.

Chrome 8 Firefox 4 Opera 13 Safari 5 Internet Explorer 9
Built by AHC copyright  |  Disclaimer and Assumptions
 

To help us model your retirement lifestyle please tell us a bit about yourself.

?

What is your age?

XX
+
?

What is your income?

$XX
+
 
Print
◂ Edit your details Select another item See your retirement ▸
 
Print

Your future budget:

$XX,XXX
$XX,XXX
X

Housing help

Review your housing costs. Your children may have left home by the time you retire so you may choose to down size your home. Perhaps your mortgage will be paid off so you should also take this into account. Your utility bills may increase when you have retired as you may spend more time at home so heating and lighting costs will be more.

Housing help

Review your housing costs. You may choose to down size your home when you retire or perhaps your mortgage will be paid off so you should also take this into account. Your utility bills may increase when you have retired as you may spend more time at home so heating and lighting costs will be more.

X

Family Help

Review your family expenditure. Your children may be grown up or have left home by the time you retire so you will no longer pay childcare costs or school fees etc.

X

Shopping Help

Review your shopping costs. Your grocery shopping may increase when you retire as you may choose to eat more meals at home. However, clothes shopping amounts may be less as you will not need to buy work clothes.

X

Healthcare Help

Review your healthcare costs. Healthcare is generally more expensive as you get older so these costs may increase when you retire.

X

Transport Help

Review your transport costs. You may have a smaller car when you retire or you may use public transport more using a concession ticket or seniors card.

X

Leisure Help

Review your leisure costs. As you will have more spare time when you retire you may spend more on hobbies, day trips and entertainment.

X

Financial Help

Review your finances. You will no longer be making super contributions when you retire and you may have paid off any outstanding loans and credit cards.

X

Other Help

Review any other costs you have included to see if they are likely to be payable when you have retired.

X

Holidays Help

Review your holiday costs. You may choose to go on more holidays when you retire as you will have more spare time.

X

Pets Help

Review the costs for your pets. When you retire you may have more time so you may choose to add more pets to your family.

In retirement you will need
XX%
of your current salary
◂ Budget now Select another item What now? ▸
 
 

What next?

Now that you've seen how much you might need in retirement compared with your current salary, you can work towards reaching the super balance you need.

Grow your super by making salary sacrifice contributions through your employer.

Boost your super

Use our Supermodeller to see how much super you can save and how long it might last you.

Go to Supermodeller

If you're having trouble understanding your super, or would like to book a financial planning appointment, we're here to help.

Contact us
 
title

body