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 can give up to learn how your savings can add up:

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

Total savings


Growing your super

Every little bit extra will add up to quite a lot, depending on the duration of your savings and how they are invested.

With the money you save you can grow your super by making additional payments.

It's easy. You can increase your super by contributing from your savings, or if your employer offers salary sacrifice, by contributing from your before tax salary. People on low incomes may also be eligible for a bonus Government co-payment of up to $500 a year.

Making extra payments is easy

To learn more about how to make additional payments, Boost your super or call 1300 361 477 (8am-7pm AEST).

Before you make a decision to contribute more into your super, you should consider the applicable Product Disclosure Statement and the different tax implications. It may also be beneficial to obtain financial advice relevant to your individual circumstances.

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Important Information

The purpose of this tool is to illustrate how small changes in your day to day spending can produce long term estimated savings in today’s dollars. It provides general or factual information only, using certain assumptions. It does not take into account the potential impact of taxes, fees and costs on your savings. Actual savings outcomes will be different if assumptions aren’t accurate or your personal circumstances change.



Savings are assumed to be added as regular, after-tax monthly contributions into a hypothetical savings vehicle with 3 investment options, for the whole of the savings period. It is assumed the savings account is not subject to any contributions limits, and that 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 investment returns used in the calculator are 6.2% (Cautious), 7.3% (Moderate) and 8.6% (Adventurous), depending on the investment option you select. If you do not select an investment option, a constant return of 7.3% (Moderate) is assumed. Assumed investment returns do not reflect the impact of taxes or fees on investment income, as this depends on the type of savings vehicle you use. Click on the question mark (?) within the tool to see the investment return used in calculating your estimated savings.


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.

Savings period

When calculating how much extra you could save, it is assumed you choose to invest your savings until you retire. The calculator assumes a retirement age of 67. You can adjust the savings period by selecting your current age, otherwise the calculator assumes you have a default age of 30 and have a savings period of 37 complete years.


This Tool does not know the future

The Small Change, Big Savings Tool cannot take into account changes in your personal circumstances, actual future investment returns, inflation or future changes to Government regulations (including Age Pension and tax regulations).

Results are in today's dollars

Showing results in today's dollars allows you to consider any estimated savings in the context of the cost of today's goods and services and your current standard of living.

Use this Tool with financial advice

This Tool does not take into account your personal objectives, financial situation or needs. The Tool cannot determine your final savings or income amount; and the projections shown are intended as a guide only, based on the information you input and other assumptions. You should not rely on the Tool in isolation to make any financial decisions. Before making a decision about how you might invest savings in any financial product, you should read the relevant Product Disclosure Statement (PDS). You may also find it beneficial to consult a licensed financial adviser.

Who is responsible for this Tool

This Tool has been constructed by Anthony Hodges Consulting Ltd (AHC). While the Tool is made available to you from the GuildSuper website, as part of the site’s educational materials, GuildSuper is not responsible for the accuracy of the Tool’s calculations.