In partnership with our insurer MetLife, we're pleased to offer 360Health to all Hostplus members and their families.* It's a way to connect to a range of virtual health and wellbeing services at no extra cost.
*The term ‘family/families’ consists of a Hostplus member’s children, partner, parents, and parents in-law.
An interactive way to get financial education and tailored advice* online to help supercharge your future.
Exclusive to Hostplus members 24/7 via Member Online at no extra cost.
*Members with Term Allocated Pension, Lifetime Pension, Defined Benefit Pension, nil balances, non-standard investment options and some Maritime Contributory Accumulation members cannot access SuperSmart financial advice services.
The Epic Retirement Tick is a new recognition from Chant West for super funds that meet a high standard across key retirement criteria.
Hostplus is proud to be among the first of only six funds to earn the Tick - helping members feel confident about their retirement today and into the future.
Following the collapse of the First Guardian/ Shield schemes, Hostplus is urging members to familiarise themselves with the red flags to look out for when making decisions about your super. These include cold calling, pressure tactics, and exaggerated promises about high returns.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Your retirement lifestyle is personal to you. Discover how much money you may need for the retirement you want.
This Retirement Cost Calculator helps you estimate the income you may need in retirement based on the lifestyle you want.
To get started, we've suggested amounts for common retirement expenses using recognised retirement spending benchmarks. You can adjust any of these amounts to better reflect your own plans and circumstances.
Choose the household type that best reflects your retirement
Select whether you'll retire as a single or as part of a couple. If you're planning to retire as a couple, think about your combined household expenses rather than your individual share of those costs.
About the suggested amounts
The suggested amounts are based on recognised retirement spending benchmarks and can be adjusted to suit your situation.
Housing costs
The benchmark figures assume you own your home in retirement. If you expect to rent, consider updating the housing expenses to reflect your expected costs.
One-off retirement expenses
This calculator focuses on ongoing living expenses. Larger one-off costs, such as replacing a car, major holidays or home renovations, can be included later in the Retirement Projection Calculator, which you'll be able to access after estimating your ongoing retirement expenses.
Your estimate is a guide only and can help you start planning for retirement.
There is no right or wrong way to plan for retirement. However, knowing what your super balance should be for your age is helpful to understandwhether you're on track.
You can check your balance using Member Online or the Hostplus app.
Once you know your balance, you have a good starting point. The table below is a guide to show how much a single person may need to achieve a comfortable retirement. Your circumstances might be different. A good tip is that you can continue to use Member Online and our app to see how you're tracking.
| Age (years) | Super balance for a single person |
|---|---|
| 25 | $27,500 |
| 30 | $70,500 |
| 35 | $118,000 |
| 40 | $178,000 |
| 45 | $239,000 |
| 50 | $313,500 |
| 55 | $399,000 |
| 60 | $496,500 |
| 65 | $604,500 |
| 67 | $630,000 |
Source: superannuation.asn.au/consumers/super-detective/. Figures are based on Super Balance Detective calculator accessed March 2026. The table is for illustrative purposes only. For details of all assumptions used in the calculation, please visit superannuation.asn.au/consumers/super-detective/. The above figures apply for a single person. If you're in a relationship, the combined super you'll need at age 67 for a comfortable retirement is estimated to be $730,000.
A comfortable retirement generally includes room for everyday comforts and some lifestyle spending. ASFA estimates that to retire comfortably at age 67:
This translates to an annual income of $78,566 for a couple or $55,923 for a single person, including the Age Pension.
These figures assume you own your home outright and relate to expenditure by household.
A modest lifestyle is closer to the Age Pension, with less room for extras. ASFA estimates that to retire at age 67 with a modest income:
This translates to an annual income of $52,473 for a couple or $36,434 for a single person, including the Age Pension.
These figures assume you own your home outright and relate to expenditure by household.
If you'd like to increase the income available to you in retirement, there are several ways you can build your super savings before you retire.
1 Eligibility requirements, contribution caps and tax rules apply. Consider your personal circumstances and speak with us or seek financial advice if you'd like help deciding what is right for you.
Women generally retire with less super than men.
Find out more about what you can do to bridge the gender super gap.
2 Before consolidating your super, you should check with your existing super fund whether there are any fees or charges that may apply or any loss of benefits, such as insurance cover. If you have insurance cover with another super fund, you may be able to transfer that cover to Hostplus. To find out if you are eligible and to learn more, visit hostplus.com.au/insurance. You may also find it beneficial to obtain advice from a financial adviser
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