Small change, big savings

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

Click on any of the icons above to see how prices of typical everyday items add up over the years. Think about how putting these small amounts towards your super could make a big difference to you.


Additional savings


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

Now that you’ve seen what small amounts spent on everyday items add up to in the future, it might be a good time to make more out of your savings and head towards a brighter future with ESSSuper.

To find out more about your options and the next steps for making additional contributions to your super:

Visit our website.


Call our Member Service Centre to speak with a superannuation consultant

  • Emergency services members: 1300 650 161
  • State super members: 1300 655 476

Javascript is disabled or your browser is not supported

Please enable javascript or update to a modern browser.

Chrome 8 Firefox 4 Opera 11 Safari 5 Internet Explorer 8

Disclaimer and assumptions


This calculator is provided by the Emergency Services Superannuation Board ABN 28 161 296 741 the Trustee of the Emergency Services Superannuation Scheme ABN 85 894 637 037 (ESSSuper). The information contained in this calculator is of a general nature only. Before making a decision about an ESSSuper product, you should consider the appropriateness of the product to your personal objectives, financial situation and needs. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. An ESSSuper PDS is available at or by calling 1300 655 476.

The ESSSuper small change modeller (calculator) aims to help our member’s learn about the value of super and how small changes today can make an impact on your retirement income in the future. The information it contains is of a general nature only. This calculator is intended for illustrative purposes only. Designed to be simple to use, this tool aims to be a valuable step in your financial education, allowing you to put the value of super in daily context.

The results provided by the calculator are estimates only and are not guaranteed. Actual outcomes depend on uncertain factors such as investment returns and relevant legislation.

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. ESSSuper 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.

ESSSuper is not related to Anthony Hodges Consulting Ltd (AHC). Neither ESSSuper, nor the Victorian Government, guarantee or endorse any products or advice provided by AHC, or are responsible for any actions of AHC.


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 by the calculator.


In giving up one or more items in the calculator, you are then assumed to save an amount equal to the cost of the item(s).

Savings are assumed to be added as regular non-concessional contributions into superannuation. The calculator assumes that these contributions can be made within your non-concessional contribution limits (being $100,000 per annum or $300,000 in one year by utilising the "bring forward" rule), and so no tax is levied on these contributions.


Inflation is assumed to be 3.2% pa. This is the default rate in the ASIC MoneySmart superannuation calculator.

The price of each item is assumed to increase with inflation.

You can change the assumed rate of inflation in the "Edit assumptions" section.

Results are in today’s dollars

Results are shown in today's dollars, which means they are adjusted for inflation.

The assumed rate of inflation has been used to discount future amounts to today’s dollars.

Investment earnings

The default investment return and fee assumptions are:

Pennsion phase
return (before tax)
Accumulation phase
return (after tax)
Investment fee (%pa)
High growth5.20%5.00%0.70%

These are the default rates in the ASIC MoneySmart superannuation calculator.

Investment earnings in Accumulation accounts are taxed. The pension phase returns are not used in the calculations, but are included here for illustrative purposes and to show the impact of tax on investment earnings.

Administration fees and insurance premiums

The default administration fees and insurance premiums are:

Administration Fee (per annum)50 per annum
Asset-based Administration Fee0.60% pa of the account balance
Insurance premiums$100 per annum

These are the "Medium fee level" rates in the ASIC MoneySmart superannuation calculator.

The calculator assumes that saved amounts are contributed to an existing superannuation account. No additional dollar based fees would therefore be incurred in virtue of making these contributions. Dollar-based administration fee and insurance premiums are therefore ignored for the purpose of this calculator. Additional contributions into superannuation would result in a higher superannuation balance, and so higher asset based fees. Asset based fees are therefore allowed for in this calculator.

Legislative assumptions

A number of assumptions in this calculator are prescribed by legislation. These assumptions include: the tax on superannuation contributions and the tax on investment earnings.

Where there is relevant legislation, the assumptions made in this calculator reflect current legislative arrangements. One uncertainty regarding future superannuation entitlement relates to possible future legislative changes.

Although some future changes in the legislation relating to superannuation are likely, it is not possible to know what these changes may be. Where there is relevant legislation, current legislative arrangements therefore represent the most reasonable basis for estimating future superannuation entitlement.

Updates to legislative assumptions are made as soon as practicable after such changes are announced. The calculator is based on legislative arrangements as at July 2020.


This calculator attempts to include the most significant and relevant features of the superannuation environment, and to do so in an accurate manner. However a calculator such as this is not able to address or include all facets of superannuation The most significant limitations are:

  • Co-contributions are not included in the calculator. As the calculator assumes that saved amounts are contributed to superannuation as non-concessional contributions, you may also be eligible for co-contributions (if your salary is less than $54,837 pa). If you were eligible for co-contributions this would potentially increase the benefit of saving amounts related to giving up an everyday item.
  • Instead of savings by making non-concessional contributions, an equivalent pre-tax amount could be saved by making concessional contributions. For most people this would increase the benefit of savings due to the lower tax payable on concessional contributions compared to salary.

Edit assumptions


Edit user defined investment option