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Free, independent tools that model how Australia's retirement system actually works: superannuation, tax, investment income, Centrelink, and the Age Pension, together.
Three questions. Three tools. Real answers.
THE PROBLEM
THE PROBLEM
Retirement planning is more complex than most calculators account for
Many retirement calculators oversimplify reality. They 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 know what is realistic.
The Long Weekend Plan was built to model how Australia's retirement system actually works, so you can explore your decisions and understand their long-term impact.
THE TOOLS
THE TOOLS
SpendLens: How much do I really need?
Retirement planning starts with what your life actually costs, and most people guess wrong. SpendLens reads the true answer from your own bank statements: your cost of living today and in retirement, plus a full picture of the portfolio that will fund it, including your real return on investment. Your statements never leave your computer.
Open SpendLens
PlanLens: Will my money last?
Enter your details and PlanLens models your whole retirement year by year: super, tax, Age Pension, investments, property, and loans, for both of you. It works out exactly how much to draw each year to fund the life you want, tells you how long your money lasts, and lets you test the big decisions: downsizing, paying off the mortgage, contribution strategies, selling the investment property.
Open PlanLens
PensionLens: Where do I sit on the Age Pension curve?
The means tests create a curve where a couple with $470,000 in super can have a higher annual income than a couple with $900,000. PensionLens draws that curve for your situation, pins where you stand, shows your income gross and after tax, and tells each of you how much more you could earn before your Centrelink income reduces.
Open PensionLens
Prefer a spreadsheet? The Spreadsheet Planner and Spreadsheet Tracker cover the same ground in Excel.
WHY THIS IS DIFFERENT
WHY THIS IS DIFFERENT
Built for understanding, not product sales
Independent: no financial products promoted, no ads, no sign-up
Transparent calculations you can inspect
Designed around Australian legislation and rules, current 2026-27 rates
Scenario-based planning rather than fixed assumptions
FROM THE BOOKS
FROM THE BOOKS
These tools grew out of The Long Weekend: Putting the Retirement Puzzle Together and A Practical Guide to Australian Superannuation, both Amazon bestsellers, and they're refined continuously by the questions and scenarios of the My Super Future community on Facebook, 30,000 Australians planning retirement together. The books explain the system; the tools apply it to you.
See the books
YOUR PRIVACY
YOUR PRIVACY
Every calculator runs entirely in your browser. Nothing you enter is sent, stored, or seen by anyone, and the tools work even with your internet disconnected. No accounts, no tracking of your figures, ever.
WHO THIS IS FOR
WHO THIS IS FOR
People approaching retirement who want clarity before they leap
DIY investors and analytical thinkers who prefer transparency
Anyone validating what an adviser has told them
Anyone frustrated by inconsistent retirement calculator results
START BUILDING YOUR RETIREMENT PLAN FOR FREE NOW
No signup required • Free to use • Fully transparent calculations
Disclaimer
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.
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