Use our retirement lifestyle calculator for couples to work out how much super you’ll need for your ideal retirement.
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How much does an Australian couple need to retire comfortably in 2026?
The answer is generally that it all depends on lifestyle expectations and retirement goals. However, the Association of Superannuation Funds of Australia (ASFA) provides a helpful benchmark and estimates that for a comfortable retirement a couple would need around $78,000 per year.
While the ASFA Standard can serve as a great starting point, every couple’s situation is unique, which is why using a retirement calculator can be a great first step in putting together a more personalised plan.
You can use our Retirement Lifestyle calculator to work out how much super you’ll need as a couple for your ideal retirement. Enter your age, tick yes to 'Include my partner', then click Next to get started.
Different retirement lifestyles
ASFA has identified two key retirement lifestyles in Australia.
Modest retirement
A modest retirement provides a lifestyle that's better than relying solely on the Age Pension but still requires careful budgeting. For a couple, this means affording basic necessities such as housing, food, and healthcare, with minimal capacity for luxuries like travel or leisure activities.
Comfortable retirement
For a couple, this lifestyle offers a more flexible budget to enjoy activities and indulgences that contribute to an enriched retirement experience. These lifestyle standards have been based on couples retiring at 65, living to an average age of 85 and with the assumption that any home loans have been paid in full.
Time for a retirement check-in?
Call us on 1800 682 626 or use this online booking form to select a time that works for you – one of our specialists will give you a call when it’s time for your check-in.
What we’ll talk about
Exactly what we cover in your check-in will depend on your needs, and whether you’re nearing retirement or already retired.
- Approaching retirement? We can cover:
- When you can access your super
- How to determine your retirement income
- Your options as you transition to retirement
- Nominating beneficiaries
Already retired? We can cover:
- Reviewing your investment choices
- Making sure your retirement income payments are working for you
- Checking your beneficiary nominations
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