Retirement scenarios in Australia

Compare 7 retirement planning scenarios for Australia across Saving & catch-up, Housing.

Saving & catch-up

Australia: is $500 or $1,000 a month enough for retirement?

For: Single Australian homeowner (55), metro salary, testing whether AUD500 vs AUD1,000/month voluntary super closes the gap by 67

Will adding AUD500 or AUD1,000 a month to super meaningfully change retirement income in Australia? This scenario shows when the extra saving is enough, when.

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Housing

Australia

Housing

Melbourne couple: can you Coast FIRE before 50?

For: Melbourne dual-income couple (36), renters, aiming to Coast FIRE before 50

Can a Melbourne couple ease off saving before 50 without breaking their retirement plan? This comparison shows where Coast FIRE still works, where it gets.

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Australia

Housing

Sydney family: extra super or pay down the mortgage faster?

For: Sydney dual-income family with one child, large owner-occupier mortgage, and spare cash to split between super and debt reduction

Should a Sydney family with spare cash put it into super or use it to ease mortgage pressure sooner? This comparison shows when long-run compounding wins.

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Australia

Housing

Australia part-time parent: super gap or family time?

For: Australian dual-income family, parents age 38, one young child, mortgage-sized household costs; deciding whether one parent should reduce hours and later catch up super

If one parent cuts back to 0.6 FTE for the early-child years, the family buys breathing room, but the retirement gap only closes with explicit catch-up saving.

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Australia

Housing

Australia age 55: super catch-up or mortgage-free first?

For: Australian homeowner couple (55), late career, deciding whether surplus cash should go to super catch-up, mortgage prepayment, or both

At 55, extra super can build more retirement capital, but paying the mortgage first lowers the income you need. See where a split plan holds up.

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Australia

Housing

Brisbane rentvesting or buying in Sydney?

For: Sydney professional couple (34), renters with a deposit, comparing buying in Sydney, rentvesting in Brisbane, or renting and investing

For a Sydney couple with a serious deposit, compare rentvesting in Brisbane, buying in Sydney, or renting and investing for retirement.

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Australia

Housing

Australia super for a first home or retirement income?

For: Australian renter couple age 38, dual income, deciding whether FHSS-assisted home ownership improves retirement security or whether preserving super and liquidity is stronger

Using FHSS can bring home ownership closer, but the safer answer depends on whether buying reduces retirement rent risk more than it weakens long-term super.

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