Retirement Calculator

See the earliest age your super and investments could support retirement, including the years before super access and an optional home downsize.

Reviewed

Model settings:: 2026–27
Last reviewed:: 23 September 2026

Basis and sources

Year-by-year, today's-dollar projection separating super from accessible investments before age 60; 2026–27 SG settings; user-selected 3.5%, 5% or 6.5% real returns; optional net home-downsizing proceeds; June 2026 ASFA benchmarks; and optional maximum Age Pension rates from age 67 without income or assets means testing.

Primary sources

Current age

35 years old

1872

Goal retirement age

65 years old

3580

We compare this goal with the earliest age your projection supports. Super stays separate until it becomes accessible.

Current super balance

$0$1,000,000

Current salary

$0$300,000

Employer super guarantee is modelled on top of your salary at 12%.

Desired retirement income

How much annual income (today’s dollars) would you like in retirement? For context, ASFA’s June 2026 comfortable single benchmark is $56,166.

per year

$20,000/yr$120,000/yr

ASFA Retirement Standard reference

Comfortable $56,166/yr (single)Modest $36,548/yr (single)

Fund the years before super

Investments outside super form your early-retirement bridge. For most people, preserved super becomes available from age 60 after meeting a condition of release.

Investments outside super

Cash, shares and managed investments that can be used before super.

Invest outside super each month

Regular investing continues until your goal retirement age.

Include plans to downsize your home

Add only the net cash left after the mortgage, next home and all moving costs.

Additional options

Earliest projected retirement age

years old · in today’s dollars

Your age 65 goal is supported

This projection also supports retiring 8 years earlier.

Does your goal work?

Before super

No early-retirement bridge is needed at this goal age

Funded

After super access

Tests your spending through age 95

Funded

Your retirement timeline

Today

Age 35

Goal

Retire 65

Super

Access 60

Age Pension

Eligible 67

Super at goal retirement age$1,230,193

Outside super at goal age$418,565

Total at goal age$1,648,758

Your two retirement pots

Super Outside super

Outside investments fund the bridge; super stays separate until it is accessible.

Annual projection values

Projected super and outside-super investments by age
Age	Super	Outside
35	$120,000	$0
36	$136,710	$6,300
37	$154,256	$12,915
38	$172,678	$19,861
39	$192,022	$27,154
40	$212,333	$34,811
41	$233,660	$42,852
42	$256,053	$51,295
43	$279,566	$60,159
44	$304,254	$69,467
45	$330,177	$79,241
46	$357,395	$89,503
47	$385,975	$100,278
48	$415,984	$111,592
49	$447,493	$123,471
50	$480,578	$135,945
51	$515,317	$149,042
52	$551,793	$162,794
53	$590,092	$177,234
54	$630,307	$192,396
55	$672,532	$208,316
56	$716,869	$225,031
57	$763,422	$242,583
58	$812,303	$261,012
59	$863,628	$280,363
60	$917,520	$300,681
61	$974,106	$322,015
62	$1,033,521	$344,415
63	$1,095,907	$367,936
64	$1,161,413	$392,633
65	$1,230,193	$418,565
66	$1,291,703	$383,327
67	$1,356,288	$346,327
68	$1,424,102	$307,478
69	$1,495,307	$266,686
70	$1,570,073	$223,854
71	$1,648,576	$178,881
72	$1,731,005	$131,659
73	$1,817,556	$82,076
74	$1,908,433	$30,013
75	$1,979,203	$0
76	$2,021,997	$0
77	$2,066,931	$0
78	$2,114,111	$0
79	$2,163,651	$0
80	$2,215,668	$0
81	$2,270,285	$0
82	$2,327,633	$0
83	$2,387,849	$0
84	$2,451,075	$0
85	$2,517,463	$0
86	$2,587,170	$0
87	$2,660,363	$0
88	$2,737,215	$0
89	$2,817,910	$0
90	$2,902,639	$0
91	$2,991,605	$0
92	$3,085,019	$0
93	$3,183,104	$0
94	$3,286,094	$0
95	$3,394,232	$0

Key assumptions

Annual spending$56,166

Real returnBalanced · 5.0%

Employer SG12%

Planning age95

Estimates only, not financial advice. The projection uses steady real returns and does not model market volatility, tax on investments, insurance, detailed super-fund rules or Age Pension means testing. Super access generally also requires a condition of release.