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Projected at 67
$3,040,466
ASFA Comfortable
$595,000
Surplus
+$2,445,466
Your super is projected to exceed the ASFA comfortable standard by $2,445,466. You're in a strong position — maintaining your current contributions should provide a comfortable retirement. Consider whether your super fund's investment option is still appropriate for your age.
Age 30
$80,000
Age 35
$175,355
Age 40
$312,249
Age 45
$508,779
Age 50
$790,922
Age 55
$1,195,976
Age 60
$1,777,482
Age 65
$2,612,310
Age 67
$3,040,466
Felix can help you maximise your surplus — track your super alongside all your investments and model different retirement scenarios.
Track Your Super in Felix — Free DownloadThe Association of Superannuation Funds of Australia (ASFA) publishes quarterly retirement standards. In 2026, the comfortable standard requires $595,000 for singles and $690,000 for couples, providing ~$51,000/year (single) or ~$72,000/year (couple) in retirement spending. The modest standard ($350,000 single) covers basics plus limited recreation.
Under the Superannuation Guarantee, your employer contributes 12% of your Ordinary Time Earnings (OTE) into your super fund. The concessional contribution cap is $30,000/year (including employer SG, salary sacrifice, and personal deductible contributions). Non-concessional contributions are capped at $110,000/year.
ASFA's comfortable retirement standard requires $595,000 for singles and $690,000 for couples (2026). However, your actual target depends on desired lifestyle, retirement age, and whether you qualify for the Age Pension. Our calculator projects your balance based on current contributions and growth rate.
The Superannuation Guarantee (SG) rate is 12% of ordinary time earnings in 2025-26. This means your employer must contribute at least 12% of your pre-tax salary into your super fund. The rate was legislated to reach 12% by July 2025 (from 11.5% in 2024-25).
Yes. You can salary sacrifice pre-tax income into super (concessional contributions up to $30,000/year including employer contrib) or contribute after-tax money (non-concessional, up to $110,000/year). Both strategies reduce your tax and boost your retirement balance.
Concessional contributions are pre-tax (salary sacrifice, employer SG) and taxed at 15% inside super — much less than your marginal rate. The cap is $30,000/year. Non-concessional contributions are after-tax money — not taxed again in super, with a cap of $110,000/year (or $330,000 over 3 years using the bring-forward rule).
You generally cannot access super until you reach preservation age (60 for most Australians). If you retire early, you need a 'bridge' portfolio of non-super investments to fund living costs until 60, at which point super kicks in. This is the 'two-phase retirement' approach.
This calculator focuses on your super balance projection. The Age Pension (available from age 67 if you meet the assets and income test) acts as a floor income in retirement. If your super+assets are below the full pension threshold, you may receive $28,514/year (single) or $42,988/year (couple) from 2026.