Retirement Savings Calculator

Estimate how much you may need to retire in Australia using the 4% rule, the lump sum that supports your target annual income.

$
Estimated lump sum you may need$1,325,000Based on the 4% rule (25× your income gap), in today’s dollars.
What’s shaping your result
Part pension
A rule-of-thumb target, an adviser refines it

The 4% rule assumes you can draw about 4% of your savings each year (so you need ~25× your income gap). It ignores your specific super, investment mix, longevity and the exact Age Pension interaction, all things a planner models for you.

Your eligibility checklist
  • Include your current super in your progress
  • Factor the Age Pension assets & income tests
  • Review the plan every few years as rules change
💡 Ways to save & next steps
  • Salary-sacrificing into super is taxed at 15% instead of your marginal rate, a fast way to grow the balance.
  • Even a part Age Pension sharply reduces the lump sum you need to self-fund.
  • Low-fee index funds inside super keep more of your return compounding over decades.

or from $6,333/week over 5 years , indicative finance

Run a financial planner? Put a calculator like this on your own website, branded as yours.See how →
How we estimate this

A common retirement target uses the 4% rule: if you can safely draw about 4% of your savings each year, you need roughly 25 times your annual income gap as a lump sum. For a $65,000 income that’s around $1.6m fully self-funded, far less if you’ll also draw the Age Pension.

Pricing reviewed: June 2026.

Are you a financial planner?

Put this calculator on your own website, branded to you, visitors get an instant estimate, you get a qualified enquiry with their details.

See how it works →

Understanding retirement savingss in Australia

A common retirement target uses the 4% rule: if you can safely draw about 4% of your savings each year, you need roughly 25 times your annual income gap as a lump sum. For a $65,000 income that’s around $1.6m fully self-funded, far less if you’ll also draw the Age Pension.

This is a planning rule of thumb, not a guarantee. Your real number depends on your super balance, investment returns, how long you live, and how the Age Pension assets and income tests apply. A financial planner models all of this together.

Frequently asked questions

How much do I need to retire in Australia?

Roughly 25× your target annual income under the 4% rule, but the Age Pension can reduce the savings you need substantially.

What is the 4% rule?

The idea that you can withdraw about 4% of your retirement savings each year with a low risk of running out, implying you need ~25× your income gap.

Run a financial planner? Add this retirement savings calculator to your own website →

Related calculators