Select some of the items below to see how much you could potentially add to your retirement savings by reducing your spend on little extras.


Total savings


Based on investing this monthly amount into [INVESTMENT_CHOICE] fund and assuming [INVESTMENT_RETURN]% growth over a [YEARS_TO_RETIREMENT] year period.

What now?

Even small contributions can really snowball over time, so the early you start, the better!

Talk to your super fund directly, or ask your employer, about making additional contributions to your super.

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Disclaimer and assumptions


This is a model, not a prediction. It only gives you estimates of the amount that will be saved on the basis of given assumptions. We cannot predict certain things that will affect your decision to save or eventual outcomes, such as movements in interest rates. It is not intended to be your sole source of information when making a financial decision. You should consider whether it is appropriate for you to get advice from a licensed financial adviser.



Savings are assumed to be added as regular, non-concessional contributions into your superannuation fund. Any contribution limits relating to a specific superannuation fund are ignored. The calculator assumes all contributions can be saved without additional tax or fees.

Insurance fees and fixed dollar administration fees are not modelled. As this modeller represents additional savings to those already made by the member, it is assumed these fees are already being paid by the member. Asset based fees are modelled as the additional contributions being modelled will affect the superannuation balance on which these fees are based.

Investment returns

Investment returns are assumed to be consistent for the duration of the savings period at the rates outlined below.

Investment Option Assumed rate of growth
High growth5.2%


The assumption of inflation of 2.75 per cent per year have been adopted in the context of continuing low price and wage inflation in Australia, with recent annual figures actually below this assumed rate.


The costs of the everyday items are estimates and do not necessarily represent the exact cost to you if you were to give up the item, at the specified frequency, as represented in the calculator.

The cost of each everyday item shown in the calculator is assumed to remain the same for the duration of the savings period. The projection of retirement savings is also in current dollar values.

Investment period

When calculating how much extra you could save, it is assumed your investment period ends at age 67.

Edit assumptions


Edit user defined investment option