How much super do I need for a comfortable retirement?

On the current ASFA Retirement Standard, a homeowner retiring at 67 needs around $630,000 in super for a comfortable lifestyle as a single, or $730,000 as a couple. Those figures rose in 2026 — the first increase in three years — from $595,000 and $690,000. A comfortable retirement means a good standard of living including domestic travel, leisure activities and private health insurance. A modest retirement, covering basic needs, needs about $110,000 single or $120,000 as a couple. All of these assume you own your home outright at retirement and will also receive a part Age Pension as the balance is drawn down.

At what age can I access my super?

Your preservation age depends on when you were born. For anyone born after 30 June 1964, the preservation age is 60. Once you reach preservation age and retire (or turn 65 regardless of work status), you can access your super. You can also access super earlier under limited circumstances, such as severe financial hardship, terminal illness, or permanent incapacity. The Age Pension eligibility age is currently 67.

How much super should I have at 30, 40, and 50?

As a rough guide based on the ASFA Retirement Standard, aim for: age 30 — around $60,000-$80,000; age 40 — around $150,000-$200,000; age 50 — around $350,000-$450,000. These benchmarks assume you've been working full-time since your early 20s with employer SG contributions. If you're behind, don't panic — increasing voluntary contributions, even by a small amount each month, can significantly boost your retirement balance thanks to compound returns over time.

Retirement Calculator

Will your super be enough? Enter your age, salary, and super balance to see your projected retirement fund and whether you're on track for a comfortable retirement.

Last verified: 2 August 2026Jump to calculator ↓

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