Small change, big savings

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

Small changes everyday can make a big difference to your savings.

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

At the same time you could reduce the environmental impact of your everyday actions.

We often forget that some of the smallest daily conveniences take a large toll on the environment, which is often only visible in the longer term.


Total savings

a month

Environmental impact of your everyday actions

Some of the smallest daily conveniences take a large toll on the environment, which is often only visible in the longer term.

Learn more
Environmental benefit of reducing

Less carbon footprint
Less waste generated

What now?

As you can see, little changes to your everyday spending patterns can not only make a significant difference to your financial future, it can also have a significant environmental benefit over the long term.

Making contributions to your superannuation is one of the ways to build your wealth for retirement. Even small amounts add up over time, and voluntary contributions can reduce the amount of tax you pay.

Salary sacrificing is one of the simplest and most effective super saving strategies. Learn more about how it works and whether it’s right for you. If you require any assistance, please call us on 1300 547 873 between 8.30am and 5.00pm, Monday to Friday.

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Disclaimer and assumptions



Savings are assumed to be added as regular, after-tax monthly contributions into a savings account.

Any contribution limits relating to a specific savings account are ignored. The calculator assumes all contributions can be saved without additional tax or fees.

Investment returns

Investment returns are assumed to be consistent for the duration of the savings period.


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 are ignored meaning the increase in savings is shown in today’s terms.

Investment period

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

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