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Retirement Planning Tool — PlanLens
Most retirement calculators force you to simplify. This one doesn't. Enter your details and the planner models how Australia's superannuation, Age Pension, and tax rules interact across your retirement — year by year — giving you a sophisticated, personalised retirement plan in minutes.
The key rules of superannuation drawdown, Centrelink asset and income tests, and ATO tax offsets are all built in. It won't cover every edge case, but it will give the vast majority of Australians a clear, realistic picture of how long their savings will last and what decisions will make the biggest difference.
Your data stays completely private — all calculations run in your browser and nothing is stored or transmitted.
No signup. No advisor. Just answers.
The figures shown are for demonstration only. Click Initialise to reset, then enter your own details.
PlanLens was built alongside The Long Weekend, a 149 page plain-English guide to retiring in Australia. The book explains the superannuation rules, Age Pension means testing, and tax strategies that drive the calculations you see in this tool — so you can move from simply seeing results to truly understanding what they mean for your retirement.
If you have ever wondered why your income curve looks the way it does, or what strategies are available at your specific point on the curve, the book provides the complete picture.
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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