Super Consumers Australia's retirement savings targets

Super Consumers Australia's Retirement Savings Targets are a tool to help you work out how much super you need to save for your retirement.

The targets offer savings goals that are based on your age, whether you're single or in a couple, and how much you want to spend. These targets show how much super you’ll need to sustain your desired standard of living until the age of 90, assuming you own your home outright or don’t pay rent or a mortgage and receive the Age Pension you’re entitled to.

Savings targets for current retirees (aged 65)

If you own your own home when you retire and you live	And you'd like to spend this much in retirement	Then you need to have saved this much by 65*	Retirement spending percentage assumed to be funded by Age Pension
By yourself	Low $1,230 per fortnight $32,000 per year	$74,000	91%
By yourself	Medium $1,690 per fortnight $44,000 per year	$322,000	67%
By yourself	High $2,350 per fortnight $61,000 per year	$891,000	29%
In a couple	Low $1,810 per fortnight $47,000 per year	$99,000	92%
In a couple	Medium $2,460 per fortnight $64,000 per year	$432,000	70%
In a couple	High $3,420 per fortnight $89,000 per year	$1,216,000	34%

*On top of income from the Age Pension

Source: Super Consumers Australia's Retirement Savings Targets, January 2026.