Where are you at with your super?

Tools & calculators

Need some resources to help with your retirement planning? Below are links to online calculators which you can access at any time. Each calculator can provide general guidance on how you can best achieve your retirement goals.

If you’d prefer personal comprehensive advice, you can speak to one of our qualified Financial Advisers. See Club Super Financial Planning for more information.

Find out how much you need to spend to support the lifestyle you want in retirement.

The ASFA Retirement Standard benchmarks the annual budget needed by Australians to fund either a comfortable or modest standard of living in the post-work years. It is updated quarterly to reflect inflation, and provides detailed budgets of what singles and couples would need to spend to support their chosen lifestyle.

Comfortable or Modest?

A comfortable retirement lifestyle enables an older, healthy retiree to be involved in a broad range of leisure and recreational activities and to have a good standard of living through the purchase of such things as: household goods, private health insurance, a reasonable car, good clothes, a range of electronic equipment, and domestic and occasionally international holiday travel.

A modest retirement lifestyle is considered better than the Age Pension, but still only able to afford fairly basic activities.

Use the ASFA Retirement Standard Calculator.

This planner enables you to:

  • work out where your money is going

  • create your own custom items & change currency symbol (refer to FAQs)

  • save your results online (you will need to 'sign up' to MoneySmart) or use our Excel version

  • simplify your budget by using our budget planner wizard

For a quick and easy budgeting tool in community languages with audio, use our simple money manager.

For more information see further information and FAQs.

Estimated time: 20 mins

Use the MoneySmart Budget Planner.

This calculator helps you find out:

  • if you are eligible for a co-contribution from the Government
  • how much you can get if you are eligible

For more details see further information and FAQs.

Estimated time: less than 1 minute

Use the MoneySmart Super Co-contribution Calculator.

Helps you work out:

  • how much Australian income tax you should be paying
  • what your take home salary will be when tax and the Medicare levy are removed
  • your marginal tax rate

This calculator can also be used as an Australian tax return calculator. For more information see assumptions & further information.

Estimated time: less than 1 minute

Use the MoneySmart Income Tax Calculator.

This planner helps you work out:

  • what income you are likely to have from super and the age pension when you retire
  • how contributions, investment options, fees and retirement age affect your retirement income from super

For detailed information see disclaimers & assumptions and FAQs.

Estimated time: 5 mins

Use the MoneySmart Retirement Planner.

This calculator helps you work out:

  • how much super you'll have when you retire
  • how fees affect your final payout

For detailed information see disclaimers & assumptions.

Estimated time: 5 mins

Use the MoneySmart Superannuation Calculator.

This calculator helps you work out:

which type of super contribution will give your super the biggest boost

how to make super contributions

For more information see disclaimers & assumptions and FAQs.

Estimated time: 5 mins

Use the MoneySmart Super Contributions Optimiser Calculator.