AustralianSuper provides superannuation to meet a variety of needs, find out about our flexible approach to superannuation
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Everyone wants to live comfortably when they retire
Find out about AustralianSuper's MySuper products, including returns, investment risk, and fees and costs.
Get a comparison report from one of the leading Rating Agencies in the super industry
Super isn't complicated if you know some key things
Get the facts on the best way to save for your retirement
Combine all your super into your AustralianSuper account and avoid extra fees.
Set up your AustralianSuper online account to keep track of your super 24/7
If you need to access or withdraw from your super, this section contains all the information you need
All the information and tools you need to assist your clients
It’s never too late, or too early, to start preparing for retirement.
TTR gives you more options, and it can also mean more money when you retire
Our retirement income account, Choice Income, is built for everyday Australians, to help your money last right through your retirement.
No matter how much super you have, getting the right advice can help maximise your super and help you retire with more.
Open a Choice Income account or start a transition to retirement strategy.
Manage your retirement account online easily and conveniently.
Quick facts and information to help you meet your super responsibilities
Pay your staff super with QuickSuper - our free and compliant online payment service.
Low fees, good performance for your employees, easy payments and options to suit you
Compare us against more than 100 other funds with a report from an independent rating agency
It's easy to start paying into AustralianSuper – there are no joining fees or charges
Help, tools and information to allow you to manage your super
Keep up-to-date with the investment performance of your super
Keep up-to-date with the investment performance of your retirement income account
You may choose just one investment option, or a combination of the options available
Member Direct lets you invest directly in stocks in the S&P/ASX 300 Index plus selected exchange traded funds (ETFs) and term deposits.
We offer a range of investment options including shares, exchange traded funds (ETFs) and Term Deposits.
A range of investment options to choose from
Costs related to investment management, custodian and asset consulting
Keep up-to-date on matters that affect your super
View a list of investments for every investment option
Find out more about AustralianSuper’s investment approach, investment process and the Active Owner program
View our investment FAQs as well as our common investment terms page
All the forms and publications you need to manage your super and retirement
Advice tools and calculators to help you understand your super and prepare for retirement
Live the life you want with the right financial advice
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A dictionary of super related words
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The AustralianSuper Retirement Income Calculator is provided by AustralianSuper Pty Ltd ABN 94 006 457 987, ASFL 233788, the Trustee of AustralianSuper ABN 65 714 394 898. The calculator provides illustrative calculations based on stated assumptions only and is provided in good faith. It has been based on current laws and their interpretation as at 1 July 2014.
The purpose of this calculator is to show you how much income your super will give you in retirement and the steps you can take to increase it. The calculator has not taken into account your lifestyle expenses and other commitments like a mortgage or personal loans. You should consider whether these debts should be paid off before putting money into super, which you generally cannot access until you retire.
If you received a message stating how many years your super will last in your online account, this calculation is based on your current account balance and projected contributions and returns using the pre-populated inputs and assumptions in Step One of the AustralianSuper Retirement Income Calculator.
The information resulting from the calculations is general and should not be relied upon as a true representation of any actual superannuation entitlements or benefits from any particular scheme or relied on as a basis upon which to alter your financial situation without advice from a professional. You should assess your own financial situation and consult a financial adviser before you make any changes to your financial affairs.
This calculator is based on the features of the standard AustralianSuper accumulation and retirement income products.
The results produced by this calculator are based on various underlying assumptions below. You can change the value of important assumptions in Step One of the calculator.
If you were receiving Centrelink payments and had an existing retirement income account on or before 31 December 2014, your income is assessed by Centrelink under different rules to those that are applied by this calculator. Please go to humanservices.gov.au/deeming or speak to a financial adviser on 1300 300 273 for more information.
In retirement it is assumed that all of your super balance is converted to a retirement income account from a taxed super fund with payments made monthly.
You are assumed to retire at the end of the financial year in which you reach your nominated retirement age. The calculator assumes that you have reached your preservation age or have met a relevant condition of release as at your nominated retirement age. If this is not the case you will not be able to access your superannuation benefits until after you have reached your preservation age or satisfied a condition of release.
It is assumed you will satisfy the work test for making contributions from age 65 to 75 and you have provided your Tax File Number to your super fund.
If you have indicated a partner your partner is assumed to retire at age 65.
Administration fees are based on the AustralianSuper Industry and retirement income products as noted in the assumptions in Step One. No indexation of the administration fee is applied.
The indirect cost ratio (the cost to manage your investment) is based on the AustralianSuper Balanced investment option. Different fees apply to other investment options. The indirect cost ratio is calculated based on the average account balance over the year, assuming contributions are made quarterly. It is based on the Balanced option expected long-term crediting rate.
Insurance fees and any other variable and fixed fees in the AustralianSuper product have not been considered in this calculator.
We have assumed the following indexation rates and methodology:
Calculations start on 1 July and are for the full year.
We assume that you qualify for the Government Co-contribution if you make after-tax contributions and are below the income limit. The total income used to determine if you qualify for any Co-contribution is equal to your annual salary before tax.
No allowance has been made for the effect of reportable fringe benefits on the Government Co-contribution or Medicare surcharge.
The life expectancy information is based on population mortality as shown in Australian Life Tables 2005-2007.
Inflation and investment portfolio earnings are taken to be constant for the whole period at the rates shown in Step One of the calculator (you can change these rates if desired). The default assumptions used are based on AustralianSuper’s Balanced option, which are consistent and reasonable over the long-term. Actual returns and inflation will differ from the assumptions used, particularly over short time periods. Over the shorter term wider variations in investment performance can occur particularly for those portfolios with higher allocations to growth assets such as shares and property. These variations can have a material impact on the illustrations produced.
For the estimation of Government Age Pension entitlements, we assume:
We have not considered any other Centrelink entitlements apart from the Age Pension.
Read our Privacy Collection Statement for a summary on why we collect the personal information requested in this form and how we handle that information.
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