“How much super do I need? How much will I have?” are key retirement planning questions.
We have easy-to-use tools and information to help you get the answers.
How much super do I need?
This varies for each person and depends on your personal situation, including what sort of retirement lifestyle you’d like and when you plan to finish work.
The following guidelines1 from the Association of Superannuation Funds of Australia (ASFA) can be a useful starting point.
Comfortable lifestyle
A comfortable lifestyle allows you to:
- afford daily living expenses
- attend regular exercise classes and leisure activities
- have frequent social outings
- travel once a year within Australia or every seven years internationally
| Couple | Single |
| $78,566 p.a. | $55,923 p.a. |
Modest lifestyle
A modest lifestyle allows you to:
- pay for basic living expenses
- afford basic health insurance
- have occasional social and leisure activities with friends and family
- sometimes attend exercise classes
| Couple | Single |
| $52,473 p.a. | $36,434 p.a. |
Lump sum:
Comfortable lifestyle
| Couple | Single |
| $730,000 | $630,000 |
These amounts for a comfortable lifestyle assume that you use a combination of super savings, cash, shares and other investments, together with a part Age Pension throughout your retirement.
Lump sum:
Modest lifestyle
| Couple | Single |
| $120,000 | $110,000 |
These lower amounts show that a modest lifestyle would be mainly funded by the Age Pension and retirement income supplements, together with other savings.
The Age Pension is considered enough to cover the requirements of a basic modest lifestyle.
Super and the Age Pension
Even though you have super savings, you may still be eligible for a full or part Age Pension. Many First Super members use a combination of their super and the Age Pension.
How much super will I have?
Use our Retirement Income calculator to answer this question and more. It can help you to:
- estimate how much super you could have and how long it may last
- see the impact of adding extra to your super
- see how your super and Age Pension work together to provide income.
To get started, you’ll need your current account balance – find it in firstonline or our app.
Prefer to speak to our team?
A Retirement Health Check is a 30-minute appointment with our Advice team2.
It will help you work through your retirement income needs, how much super you’re likely to retire with, and if you’re eligible for the Age Pension.
Best of all, the cost is included in your membership, and you can bring your partner too.
Boost your super before retirement
If you find your balance is short of where you’d like it to be, there are options to grow your super further before retirement.
Combine super accounts and save on fees
Our online search can find and combine any super in your name to your First Super account.
Make voluntary contributions
Grow your super with before-tax or after-tax contributions.
Downsizer contributions
Selling your house? Contribute up to $300,000 into your super account as a ‘downsizer contribution’, without paying tax.
More resources to explore
We’re here to help. So, let’s talk
If you have any questions, contact your local Coordinator, or call our Member Services Team on 1300 360 988, email us or use the Live Chat.
1 ASFA Comfortable and Modest figures as at March quarter 2026 for people aged 65-84.
2 First Super Financial Advisers are authorised representatives of Industry Fund Services Limited (ABN 54 007 016 195, AFSL 232514) and can provide personal advice tailored to your objectives, financial situation and needs.
Issued by First Super Pty Limited (ABN 42 053 498 472, AFSL 223988) as Trustee of First Super (ABN 56 286625 181).
This page contains general advice which has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you. Read the Product Disclosure Statement (PDS) before making any investment decisions. To obtain a copy of the PDS or Target Market Determination, please contact First Super on 1300 360 988 or visit our PDS & Publications page.