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 in retirement!

Choose a treat to see how much you might add to your retirement savings by reducing your spending.

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

Total savings

a month

What now?

You can see how making small changes can lead to big savings over time. We hope you found it helpful and thought provoking.

If you want to provide your colleagues with access to this and similar tools to help them plan for their future, drop us a line and we’d love to come and chat to you about it.

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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.