See how giving up just a few everyday items can help you save big.


Small change, big savings

Select how many of each item you could give up to see how this could add up:

Click on an item above to see how much you could potentially add to your retirement savings by reducing your spending on luxury items.

Based on investing this monthly amount into [INVESTMENT_CHOICE] investment option and assuming [INVESTMENT_RETURN]% growth over a [YEARS_TO_RETIREMENT] year period.

Total savings


What now?

Based on what you identified you can give up, you can spare $0 per month. That's great! Why don't you contribute just half of this – $0 – into your CareSuper account each month as an after-tax contribution?

Even if you only contribute $5 or $10 a week – that can make a big difference to your super savings. And that means more money for you to enjoy in retirement.

Add extra to your CareSuper savings today by:

  • Direct debit
    Set up a direct debit from your bank account by completing the Contribution form.
  • Making a BPAY® payment
    CareSuper’s BPAY Biller code is 929 893.
    You’ll also need your personal customer reference number which you can find in the ‘Payment options’ tab of MemberOnline or by calling 1300 360 149.
  • Employer contributions
    Simply ask your employer to make regular payments to CareSuper from your after-tax pay.

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Disclaimer and assumptions

Disclaimer and assumptions

This calculator is provided by CARE Super Pty Ltd (Trustee) ABN 91 006 670 060. AFSL 235226. CARE Super (Fund) ABN 98 172 275 725. The information provided in this calculator is general advice only and has been prepared without taking into account your particular financial needs, circumstances and objectives. You should consider your own investment objectives, financial situation or needs and read the Product Disclosure Statement prior to making an investment decision. You may also wish to consult a licensed financial adviser.

The calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product, including a decision in relation to a particular superannuation fund or strategy. CARE Super Pty Ltd has made reasonable efforts to ensure the accuracy of the calculator results but does not accept liability for acts or omissions based on its content.

Information provided in this calculator is from a third party source. While it is believed to be reliable, no responsibility for errors or omissions is accepted by CARE Super Pty Ltd.

Calculator assumptions

Savings are assumed to be added as regular, after-tax monthly contributions into a superannuation savings account. Any contribution limits relating to a specific savings account are ignored. The calculator assumes all contributions can be saved without any additional tax or fees.

The costs of the everyday items are estimates and do not necessarily represent the exact cost to you if you were to give up the item, at the specified frequency, as represented in the calculator. The cost of each everyday item shown in the calculator is assumed to remain the same for the duration of the savings period. The effects of inflation on the cost of the item is ignored meaning the increase in savings is shown in today’s terms.

The investment returns used in the calculator of 2%, 5% and 7% (for cautious, moderate and adventurous investment risk profiles respectively) are after tax and after fees and are assumed to be consistent returns. These returns broadly profile the average long term returns for each of the selected risk profiles. This calculator does not make any assumptions about the effect of inflation or changes in fees or tax over the quoted period.

When calculating how much extra you could save, it is assumed your investment period ends at age 65.