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Frequently Asked Questions
How much super do I need to retire in Australia?
ASFA (Association of Superannuation Funds of Australia) estimates $595,000 for a comfortable retirement for a single person, or $690,000 for a couple (2026 figures). However, your own number depends heavily on your lifestyle expectations and whether you own your home.
What is the concessional contributions cap for 2025-26?
$30,000 per financial year (including your employer's SG contributions). Contributions above this cap are taxed at your marginal rate rather than the flat 15% super tax rate.
Can I access my super early in Australia?
Generally no — super is preserved until you reach your preservation age (60 for most people) and retire. Exceptions include severe financial hardship, terminal illness, and compassionate grounds. Illegal early access schemes carry severe penalties.
What is salary sacrificing into super?
Salary sacrificing means directing pre-tax salary into your super fund instead of taking it as income. It's taxed at just 15% inside the fund rather than your marginal rate, which can be as high as 47%. For anyone earning over $45,000, this is usually a tax-effective strategy.