Current as of 17 Feb 2026. Always verify current year rates.
How long will my super last?
Short answer:
How long your super lasts depends on how much you spend, investment returns, inflation, and whether you receive Age Pension or other income. Because no one can predict markets or lifespan, it’s best to test a few scenarios (optimistic, middle, tough) using a calculator. Then set a spending rule with guardrails so you can adjust over time without panic.
Key takeaways
It’s a scenario problem, not a single number
Inflation and early market falls can change outcomes quickly
Age Pension can provide a backstop for some retirees
Guardrails can smooth spending through ups and downs
Review periodically and after major life changes
Why this matters
A single forecast can create false confidence or unnecessary fear. Scenarios help you see the trade‑offs and choose a spending rule that supports quality of life now and later.
Mini-plan (3-4 steps)
- Estimate your annual spending (essentials vs discretionary).
- Run at least three scenarios in the Moneysmart retirement planner.
- Choose a spending rule and a ‘range’ you can live with in tougher scenarios.
- Set review dates and triggers (annually, and after big market moves).
Related questions
Sources (so you can verify)
Disclaimer: Information provided is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial planner before making any financial decisions.
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