Retirement Planning · Updated October 2026
How to Retire With More in the Bank
We are living longer, and the cost of living keeps rising. In the last years of our working lives there is little time left to build what we need.
For most Australians the biggest asset is the family home. Here is how to make it work harder.
Sources: ASFA Retirement Standard, March quarter 2026 (homeowners aged 65 to 84); ABS Life expectancy 2022–2024.
The Numbers for 2026
According to the ASFA Retirement Standard, a couple who own their home need about $78,566 a year for a comfortable retirement, and a single person about $55,923. A modest lifestyle costs about $52,473 for a couple.
ASFA estimates a couple need about $730,000 in super at retirement to fund a comfortable lifestyle, with a part Age Pension. A single person needs about $630,000. Many Australians are well short of that.
And the money has to last. Life expectancy at birth is now 81.1 years for men and 85.1 for women (ABS), and those who reach 65 can expect to live longer still. Inflation keeps eating away at what you have.
Make Your Home Your Investment
It is never too late to create a little extra for yourself. The alternative is paying the price later for doing nothing.
One strategy astute homeowners use is manufacturing equity in the family home, so that when they sell, they come out with more. Not every strategy suits every block or house, but the options include:
Your Home Is Your Investment
You have always been told your home is your biggest investment. So why not make it one? Talk to us about your goals, and we will show you which options suit your property so you can retire with more.
We share knowledge and show you how the numbers could work. Take it to your accountant and financial adviser to confirm the plan suits you.
No obligation
Want to Retire With More?
Tell us about your home, your super and your goals. We will show you how your property could help close the gap.
Prefer to call? 0413 108 125
Sources: ASFA Retirement Standard summary (2026); ABS: Life expectancy, 2022–2024. General information only, current as at October 2026. Rules change: confirm your position with a licensed adviser.
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