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.
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.
- ✓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
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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.
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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.
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