Retirement gap calculator
Find out if your superannuation is on track — or how big the gap is
Projected super
—
at retirement
Super needed
—
to fund retirement
Gap / surplus
—
—
Years to build
—
remaining
Retirement income calculator
How much monthly income will your super actually provide?
Annual income
—
from super
Monthly income
—
from super
Total with pension
—
annual
Drawdown rate
—
% per year
Superannuation growth calculator
Project how your super will grow between now and retirement
Projected balance
—
at retirement
Total contributions
—
employer + you
Investment growth
—
compounded
Growth multiplier
—
times current balance
Retirement drawdown calculator
How long will your super last based on your spending?
Lasts until age
—
estimated
Years of income
—
estimated
Balance at 85
—
estimated
Monthly spend
—
equivalent
FIRE number calculator
Financial Independence, Retire Early — calculate your magic number
FIRE number
—
target portfolio
Years to FIRE
—
estimated
Progress
—
of FIRE number
Monthly withdrawal
—
in retirement
Reverse mortgage calculator Australia
Estimate how much equity you could access from your home
Max borrowing estimate
—
approx. lump sum
Available equity
—
current
LVR cap
—
age-based limit
Monthly income option
—
if taken as income
Inflation impact calculator
See how inflation erodes your retirement income over time
Real value in future
—
today's dollars
Purchasing power lost
—
in today's dollars
% lost to inflation
—
over period
Needed to maintain
—
future dollars
Age pension eligibility estimator
Estimate your Australian age pension entitlement
Estimated pension
—
per year
Fortnightly payment
—
estimated
Pension type
—
—
Assets test limit
—
full pension
Retirement savings goal calculator
How much do you need to save each month to hit your retirement goal?
Monthly savings needed
—
to reach goal
Annual savings needed
—
to reach goal
Total contributions
—
over period
Growth component
—
investment returns
How long will my money last?
Enter your balance and spending to see when your money runs out
Money lasts until age
—
estimated
Years of income
—
estimated
Balance at age 80
—
estimated
Monthly budget
—
equivalent
All 10 retirement calculators
Retirement gap calculator
Are you on track? Find your super gap or surplus.
Retirement income calculator
How much monthly income will your super provide?
Super growth calculator
Project your super balance to retirement.
Drawdown calculator
How long will your super last at your spending rate?
FIRE number calculator
Calculate your Financial Independence number.
Reverse mortgage calculator
How much equity could you access from your home?
Inflation impact calculator
How much will inflation erode your retirement income?
Age pension estimator
Estimate your Australian age pension entitlement.
Savings goal calculator
How much do you need to save each month?
How long will it last?
When does your money run out at your spending rate?
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Retirement planning FAQs
How much super do I need to retire in Australia?
ASFA estimates a comfortable retirement for a single person requires approximately $595,000 in super (assuming you own your home and receive some age pension). A modest retirement requires around $100,000. Use our Retirement Gap Calculator to see if you're on track for your specific income goals.
What is the FIRE movement?
FIRE stands for Financial Independence, Retire Early. The core principle is accumulating a portfolio 25x your annual expenses (based on a 4% safe withdrawal rate). At that point your investment returns theoretically cover your living costs indefinitely. Use our FIRE Number Calculator to find your target.
When can I access my superannuation?
You can generally access your super when you reach your preservation age (60 for most people born after 1 July 1964) and retire, or turn 65 regardless of employment status. Some limited early access conditions apply for severe financial hardship or terminal illness.
How does the age pension work in Australia?
The age pension is available from age 67 for Australians who meet residence and income/assets tests. The maximum single rate is approximately $1,144 per fortnight. Many retirees receive a partial pension even with significant super — use our Age Pension Estimator to check your likely entitlement.
What is a reverse mortgage and is it right for me?
A reverse mortgage allows Australian homeowners aged 60+ to borrow against their home's equity without making repayments. The loan is repaid when you sell, move into care, or pass away. It can supplement retirement income but reduces your estate value. Use our Reverse Mortgage Calculator for an initial estimate and always seek independent financial advice.