How much super should I have?

Check how much super you may need by age and the retirement lifestyle you want. Compare your balance with published standards and test contributions.

How much super do you need to retire?

The super you need depends on your target retirement income, age, home ownership and Age Pension eligibility. Published retirement standards give a reference point for modest and comfortable lifestyles. Enter your balance and contributions to see a projection, then confirm your situation with a licensed financial adviser or your super fund in Australia.

Benchmarks are a starting point

Retirement standards assume home ownership and a particular lifestyle. If you rent, plan to travel or retire early, you may need more. Treat any benchmark as a reference, not a target set for you.

What moves the projection

Contributions, investment returns, fees, insurance premiums and retirement age all affect the outcome. Small changes compound over decades, so test several scenarios.

Before using super for property

Buying property through an SMSF has strict rules, costs and concentration risks. Review the SMSF borrowing and property guides and get specialist advice first.

Frequently asked questions

Is the projection guaranteed?

No. Returns and rules change. It is an illustration only.

Does it include the Age Pension?

Eligibility depends on income and asset tests. Check Services Australia for current rules.

Can I add extra contributions?

Yes, but contribution caps apply. Check current caps with the ATO.