The numbers
- Couple, comfortable: $78,998 a year (about $1,513 a week).
- Single, comfortable: $56,166 a year (about $1,076 a week).
- Modest: $52,690 for a couple and $36,548 for a single.
ASFA estimates that, retiring at 67 and assuming a partial Age Pension, a couple needs about $730,000 in super and a single person about $630,000 to fund the comfortable standard.
How to use these figures
They are benchmarks, not targets. They assume you own your home, and they are built on a typical basket of spending. Your own number depends on your spending, whether you rent, how long you plan for, other assets, and how much Age Pension you may receive. ASFA notes the full Age Pension covers roughly 60% of the comfortable budget for a couple.
Next steps
- Work out your own spending: our retirement checklist for your 50s is a good start.
- Estimate any Age Pension with the Age Pension calculator.
- See how much super do you need to retire.
Quick answers
How much does a comfortable retirement cost in Australia?
ASFA June quarter 2026: $78,998 a year for a couple and $56,166 for a single homeowner aged 65 to 84.
How much super do I need for a comfortable retirement?
ASFA estimates about $730,000 for a couple and $630,000 for a single at 67, assuming a partial Age Pension. Your own figure may differ.
Sources
- ASFA: Retirement Standard media release, June quarter 2026
- ASFA: Retirement Standard tables, June 2026 (PDF)
- Moneysmart: ASFA Retirement Standard
General advice warning. This article is general information only and does not take into account your objectives, financial situation or needs. Rules, rates and thresholds change; check the sources above. Consider the relevant PDS and our Financial Services Guide and seek personal advice before acting. FinForce is a Corporate Authorised Representative (No. 001241242) of Financial Force Pty Ltd, ABN 42 091 425 464, AFSL 238337.