Small change, big savings

Select the items you could give up to see how much extra you could save for your retirement

Click on an item above to see how much you could potentially add to your retirement savings by reducing your spending on luxury items.

Select the Vision Super investment option you are invested in. See the Disclaimer and assumptions link for more details.

Total savings


Based on investing this monthly amount into [INVESTMENT_CHOICE] fund and assuming [INVESTMENT_RETURN]% growth over a [YEARS_TO_RETIREMENT] year period.

What next?

Now that you’ve seen how making small changes to your everyday spending can add up in the future, consider making your money work harder for your retirement.

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

Boost your super

Transfer any other super into your Vision Super account to save on paperwork and fees.

Transfer your super

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

Contact us

Javascript is disabled or your browser is not supported

Please enable javascript or update to a modern browser.

Chrome 8 Firefox 4 Opera 11 Safari 5 Internet Explorer 8

Disclaimer and assumptions



Savings are assumed to be added as regular, after-tax monthly contributions into a savings account.

Any contribution limits relating to a specific savings account are ignored. The calculator assumes all contributions can be saved without additional tax or fees.

Investment returns

Investment returns are assumed to be consistent for the duration of the savings period.

Vision Super offer 11 investment options in total, in this calculator, we refer to five. If you are currently invested in an option that is not displayed on the calculator and you wish to see which option in this calculator best matches your current option, please compare the investment objectives for each option at

Accumulation phase return Dollar fee (per annum)
Australian Equities6.8%$78
Just Shares6.5%$78
Growth 6.2%$78
International Equities6.3%$78
Balanced Growth5.4%$78
Balanced 4.8%$78
Conservative 3.8%$78
Cash 1.8%$78
Diversified Bonds1.7%$78


The costs of the everyday items are estimates and do not necessarily represent the exact cost to you if you were to give up the item, at the specified frequency, as represented in the calculator.

The cost of each everyday item shown in the calculator is assumed to remain the same for the duration of the savings period. The effects of inflation on the cost of the item are ignored meaning the increase in savings is shown in today’s terms.

Retirement age

When calculating how much extra you could save, it is assumed you choose to retire at age 65.


To the extent of law, neither the provider of the calculator, its service providers or any related bodies accept any liability for any omissions, errors or inaccuracies in the results generated by the calculator or the use of these results. The calculator is not intended to provide a recommendation in relation to a financial product or interest in a financial product. The calculator is not intended to be relied upon as a substitute for professional financial advice. You may wish to seek independent financial advice from an Australian financial services licensee before making any personal finance decisions. You should consider the product disclosure statement for the relevant financial product to determine if the product is suitable for you.

Edit assumptions


Edit user defined investment option