How Much Superannuation Do You Need to Retire in Australia?

How Much Superannuation Do You Need to Retire in Australia?

Retirement may feel far away, but the sooner you plan, the better. In 2025, Aussies are asking: how much super is enough?

ASFA’s Standard Estimates

The Association of Superannuation Funds of Australia (ASFA) suggests:

  • Comfortable lifestyle: $690,000 (couple), $595,000 (single)
  • Modest lifestyle: $100,000–$150,000 less

What Impacts How Much You Need?

  • Your retirement age
  • Expected lifestyle (travel? hobbies?)
  • Housing: Own or rent?
  • Health costs

How to Boost Your Super

  1. Salary sacrifice early
  2. Contribute extra (check tax limits)
  3. Consolidate old super accounts
  4. Compare super fund performance

Pro Tip: Use tools like Moneysmart’s Super Calculator for a personalised estimate.

Final Thought: Don’t wait. The earlier you start planning, the better your retirement will be.

How much superannuation to retire in Australia 2025

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