What will your life in retirement look like?

Sometimes the hardest part of any challenge is working out what you're trying to achieve. Planning for retirement is no different. Luckily we're here to help. Using the slider below, find an income you'll be comfortable with in retirement. As a guide, to maintain your current lifestyle once you've retired, you'll need 70% of your current income.

Once you've submitted your goal, we'll keep you updated on how you're tracking along with some coaching tips to make sure you get there. And you'll also go in the draw to win one of three Apple Watches.

What will your life after work look like?

Slide the blue bar across to see what your retirement lifestyle could look like, and the retirement income you'll need to fund your leisure, health and holiday plans. Hover your mouse over the images to see what could be in store for you.


Yearly Income
  • Basic
  • Modest
  • Comfortable
  • Premium
  • Aspirational
$<20k
$30k
$40k
$50k
$60k
$70k
$80k
+$90k

What does $,000 per year look like in retirement?

It's all about balancing and keeping a close watch over spending and budgeting. This lifestyle is very similar to living on the full age pension and using what superannuation you have for life's emergencies. Any extras can go towards clothing, heating during winter or to treat yourself at the salon.

You can afford a few more comforts, and there may be some respite from having to watch every dollar. Of course, this is still a reasonably basic lifestyle, but you can use your superannuation as an annual top-up to the age pension to afford a few things you 'want' rather than 'need'. Any money left over? You can choose to spend it on making life a little more comfortable, with a few electronic gadgets or some wine.

There's room to relax. Comfort is key to this lifestyle. And you can afford significantly more comforts, because it's around double the means of the age pension. Your superannuation will go a long way in helping you maintain those comforts. It's time for an upgrade. You can splurge on replacing your kitchen, bathroom or car that's over 20 years old.

With this premium lifestyle, it's all about luxury, leisure and relaxation. Enjoy a sense of financial freedom to live the life you want, to make the choices that really matter and savour the best things life has to offer. Whether you want to update your wardrobe with designer pieces or leave your grandkids an inheritance, the choice is yours.

You are living the dream! As a high income earner, if you want to maintain your pre-retirement lifestyle, a rule of thumb is to target a retirement income of about two-thirds of your current annual after-tax income (remember, many expenses of your working life will often fall away when you retire). From a sizeable donation to your favourite charity or a complete home renovation, there are plenty of options for your spare cash.

Time away...

An occasional weekend away or visit your family will make up your holiday plans

Time away...

If you've been wanting to go away for the occasional weekend or go on an Australian holiday every few years, start planning!

Time away...

If you could go on one holiday in Australia every year for the rest of your life, and you can, where would you go this year?

Time away...

Europe calling? You can go for an overseas holiday occasionally or travel regularly within Australia

Time away...

Want to treat your entire family to a holiday in the Swiss Alps or hide away in your own private island? Every year? Now you can

Getting about...

You may want to consider using public transport, so you save on the expense of maintaining a car

Getting about...

You may be able to afford an older car and use public transport for those longer journeys to save on fuel and wear and tear costs

Getting about...

If you see a good deal for a reasonably priced, quality car, it's an opportunity you can consider

Getting about...

You can own and maintain a luxury car to get you around in comfort and style - it's within your finances

Getting about...

Top down in that car, wind in your hair and the sun in your face… You can travel about in enjoyable luxury - everyday

Eating out...

Eat out very occasionally - it's about making the most of special deals and inexpensive takeaways

Eating out...

Restaurant and cafes are affordable, but you may only want to go to celebrate special occasions like birthdays and anniversaries

Eating out...

Want to keep going back to your favourite café? You can eat out more regularly and still stay within your budget

Eating out...

Not only can you eat out much more regularly, you can also pay an occasional visit to a fine dining restaurant

Eating out...

The food, the ambience, the service - eating out is an experience in itself and one you can afford much more regularly

Just for fun...

It's important to plan around activities that are free or cost little - so make the most of the great outdoors...

Just for fun...

Love to surf? Or go to the cinema? Though it may have to be infrequent, you can choose one paid leisure activity that you enjoy

Just for fun...

Time to go skiing with your grandkids? Choose from a range of paid leisure activities… just because you can

Just for fun...

How would you like to spend your leisure time? A spot of fishing, a round of golf or a gastronomic adventure?

Just for fun...

Picture yourself sailing your private yacht across the South Pacific islands... You can make this dream a reality

Healthwise...

You may have to rely on the public medical system and be patient with those wait times and long queues

Healthwise...

You could afford private health cover, but it may still be worthwhile to rely more on the public health system

Healthwise...

Professional care and a personal touch… It's comforting to know you can afford to maintain private health cover

Healthwise...

Do you need quality medical and dental care? Or are you thinking of elective and preventative care? You can afford it

Healthwise...

Your health is your most important asset and you can afford to take care of it with the best of what medicine can offer