The benchmark for a comfortable retirement just rose for the first time in three years. Most people are working off old numbers. Here's where you really stand — in about a minute.
Your numbers
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2066
5575
$
$
Your partner
$
$
Projected at retirement
$0
in today's dollars, when you stop work
Your projectionComfortable target $630k
Crunching the numbers…
Comfortable target
$630,000
Gap / surplus
—
The lever
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Small, regular extra contributions compound hard over time. Move the slider.
$0$1,500
Add some extra to see the difference.
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How this is worked out ⌄
Employer contributions assumed at the 12% Super Guarantee rate (less 15% contributions tax).
Comfortable retirement target uses the ASFA Retirement Standard (Feb 2026): $630,000 single / $730,000 couple, assuming you own your home and receive a part Age Pension.
Growth assumed at 5% per year after inflation, so everything is shown in today's dollars.
Extra contributions are treated as added directly to the fund.
For couples, both partners' balances and incomes are combined, assuming a shared retirement timeline, and compared with the couple benchmark.
A simplified projection to start a conversation — not a precise forecast of your actual outcome.
General information only. This tool gives a ballpark estimate using broad assumptions and the ASFA Retirement Standard. It does not consider your personal objectives, situation or needs and is not financial product advice. HS3B Accounting & Advisory provides tax and accounting services. Consider obtaining advice from a licensed financial adviser before making decisions about your superannuation.