Understand exactly how long your retirement savings will last

A practical Australian retirement planning tool that models superannuation, tax, investment income, and Age Pension rules together — helping you make informed retirement decisions with confidence.

Start Planning Your Retirement

THE PROBLEM

Retirement planning is more complex than most calculators account for

Many retirement calculators oversimplify reality. They often ignore detailed tax outcomes, Centrelink interactions, and the way superannuation changes over time.

The result is uncertainty — different calculators produce different answers, making it difficult to understand what is realistic.

This planner was created to model how Australia’s retirement system actually works, allowing you to explore decisions and understand their long-term impact.

WHAT THE PLANNER DOES

The planner integrates key parts of the Australian retirement system into a single model:

Superannuation accumulation and drawdown
Account-based pensions
Investment income and franking credits
Tax thresholds and offsets
Age Pension asset and income tests
Year-by-year balance projections

BENEFITS

Answer the questions that actually matter

When can I realistically retire?
How much can I safely spend each year?
Will I qualify for the Age Pension?
How do contribution strategies change outcomes?
Should I draw from super or investments first?

WHY THIS IS DIFFERENT

Built for understanding, not product sales

Independent - no financial products promoted
Transparent calculations you can inspect
Designed around Australian legislation and rules
Scenario-based planning rather than fixed assumptions

WHO THIS IS FOR

Designed for Australians who want clarity

People approaching retirement
DIY investors and planners
Analytical thinkers who prefer transparency
Individuals exploring or validating advice scenarios
Anyone frustrated by inconsistent retirement calculator results

HOW IT WORKS

Simple to use

1. Open the planning spreadsheet or web app

2. Enter your balances and assumptions

3. Explore scenarios and see outcomes instantly

All calculations run locally in your browser or spreadsheet — no personal data is stored or transmitted.

START BUILDING YOUR RETIREMENT PLAN FOR FREE NOW

Open the Free Retirement Planner

No signup required • Free to use • Fully transparent calculations

Disclaimer

Super laws, tax rules, and Centrelink assessments are complex, frequently changing, and include many exceptions. The information provided is general in nature, current as of 2026, and is not financial, legal, or tax advice. Individual circumstances, fund types, and grandfathered provisions may affect these rules, and rates and thresholds can change without notice. You should consult a licensed financial adviser, tax agent, or qualified professional before making decisions about your super, retirement, or estate planning.