Project retirement savings shortfalls based on current and expected contributions.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Surplus
$0
you're on track
Projected in 37 years
$1,134,025
supports $75,616/yr
Required balance
$899,830
for 25-yr drawdown
Extra needed monthly
$0
no extra needed
In today's dollars: the expected return less 2.5% inflation (the midpoint of the RBA's target), with annual contributions added each year.
The highlighted bar is what you'd need to fund your target income for 25 years, to age 92 as in the ASFA Retirement Standard, at the same real return.
Will your super fund the income you want in retirement? This tool projects your balance in today's dollars (your expected return less 2.5% inflation, the midpoint of the RBA's target), works out the balance needed to pay your target income until 92 (the age the ASFA Retirement Standard assumes savings run to), and shows any gap. It leaves out the Age Pension, which can add to income for many retirees.
Across 50 MySuper products, the typical return over the ten years to 30 June 2026 was 8.0% a year after fees and tax, and the typical fee on a $50,000 balance was $408 a year, from APRA's data.
A 30-year-old with $50,000 in super, $10,000 a year going in, and a $60,000 a year income target.
In today's dollars the balance reaches about $1.13 million at 67, more than the roughly $900,000 needed to pay $60,000 a year to 92. It could fund about $75,600 a year, before any Age Pension.
A 55-year-old with $10,000 in super, $8,000 a year going in, and the same target.
The balance reaches about $131,000 by 67, against roughly $998,000 needed for $60,000 a year to 92. Closing that in 12 years would take about $4,900 a month, well beyond the concessional cap, so the Age Pension and a lower target income matter more here.