Retirement Calculator

Adjust the sliders to model your super, contributions, and retirement income. All figures are estimates — not financial advice.

Working

Super only

Super + Pension

Pension only

Your details

Current age 63

Retirement age 70

Current super balance $250,000

Annual salary $85,000

Assumptions

Investment return (p.a.) 6%

Inflation (p.a.) 2.5%

Super guarantee rate 11.5%

Target lifestyle (p.a.) $70,000

Voluntary super contributions (optional)

Salary sacrifice (pre-tax)

Amount per year $5,000

Taxed at 15% inside super instead of your marginal rate — tax effective.

After-tax contributions

Amount per year $3,000

No extra tax — goes in from your take-home pay. Can be withdrawn tax-free after 60.

Age Pension

Include Age Pension

Status: Single Married

Single rate $31,223/yr

Couple rate (each) $23,535/yr

Pension access age 67

Check latest rates ↗ Updated Mar 2026

Eligibility notes:
Income and assets tests apply — confirm with Services Australia before relying on these figures.

Years working

—

until retirement

Super at retirement

—

estimated balance

Drawdown from super

—

per year needed

Super lasts until age

—

—

Target lifestyle

$70,000/yr

From Age Pension

$30,000/yr

From super drawdown

$40,000/yr

Super balance over time

How your super grows to retirement

Retirement income breakdown

Quick scenarios

Early retirement (60) Your situation (70) Conservative returns Aggressive saving

Your actual figures based on the details you provided.

Year by year summary

Age	Phase	Contributions	Investment growth	Drawdown	Balance

This calculator provides general estimates only and is not financial advice. Figures assume consistent returns and inflation, which will vary. Age Pension eligibility depends on government means testing which changes periodically. Fund fees (typically 0.5–1%/yr) are not included and will reduce actual returns. Consult a licensed financial adviser and Services Australia for advice specific to your situation.