How much super do I need to retire in Australia?
A practical way to think about super needs using expenses, timing, Age Pension and household assumptions.
There is no single number
The right super target depends on spending, home status, retirement age, partner situation, other assets and Age Pension eligibility.
Start with spending
A realistic annual spending target is the anchor. Without it, a super target is just a guess.
Age Pension can change the target
Some households receive part Age Pension later in retirement, which can reduce pressure on super drawdowns.
Couples are different
Couples often have two super balances, different ages and different retirement dates. That needs household modelling.
How RetireAI helps
RetireAI turns spending, super, retirement timing and Age Pension assumptions into a plain-English educational report. It is designed to help you get organised before checking official rules or speaking with a qualified adviser.
Common questions
Is $1 million enough to retire?
It depends on spending, age, home status, investment returns and Age Pension interaction.
Should I use a calculator or a report?
A calculator is useful, but a report can organise assumptions, timeline and adviser-prep questions more clearly.