See whether your retirement adds up.
Free calculators for super, tax and the Age Pension, kept up to date with the 2026‑27 rules. Start with a few questions and add detail when you want it.
You have a plan in progress.
Continue your plan- Rules
- 2026‑27 super, tax and Age Pension law, with the changes already legislated for later years.
- Cost
- Free. No account, no sign-up.
- Privacy
- Calculated on your device. Nothing is sent anywhere unless you choose to share it.
- Method
- A year-by-year projection, tested against hundreds of possible economies.
Start simple, add detail as you go
The first three calculators are one path. Each one opens with what you entered in the others, so you can move along it, or back, without typing anything twice.
Guided start
About 5 minutesA short set of questions about your age, super, savings and the income you want in retirement.
- One question at a time, with help on each
- Shows whether super and the Age Pension cover your target
- Carries straight on into Classic
Classic
15 to 20 minutesThe full form on one page: your home and mortgage, investment property, debts, family costs, healthcare and aged care.
- Quick or line-by-line spending
- SMSF, trusts and salary sacrifice
- What-if sliders and an action plan
Advanced
Results as you typeThe same plan with a live dashboard, and the tools for testing it.
- Market simulations and stress tests
- Best retirement age and ranked suggestions
- Retiring overseas and Age Pension portability
Complete planner
Every input in one placeA separate, comprehensive calculator for a full review, or to take to an adviser. It reads and writes the same plan.
- Economic paths with crisis years you can pin
- Future property purchases, sales and inheritances
- Division 296 and the transfer balance cap, per person
- A full PDF report of every input and result
Reverse planner
Work back from the goal. Tell it the income or the estate you want, and it finds what has to change: how much to save, when to retire, or how much you can spend. It starts from the plan you built in any calculator above.
Your plan moves with you
Every calculator keeps the plan you are working on in this browser. Only a rounded, de-identified copy of your inputs and results is shared with us, to improve the calculator, and you can switch that off.
Enter your details in any calculator. They are kept as you type.
Open another calculator. It starts with what you entered, and anything it does not ask about is kept for later.
Save a file to keep a copy or to carry on from another device. Any calculator can load it.
Clearing your browser data removes the stored plan. Save a file if you want to keep it.
What the numbers are based on
The rules are law as at November 2026. Where a figure is indexed, the projection indexes it each year.
| Super Guarantee | 12% of ordinary time earnings, up to the maximum contribution base |
|---|---|
| Contribution caps | $32,500 concessional and $130,000 non-concessional a year from 1 July 2026, with bring-forward |
| Transfer balance cap | $2.1 million per person from 1 July 2026, indexed to inflation |
| Division 296 | An extra 15% tax on earnings for super balances above $3 million, and 10% more above $10 million, from 1 July 2026 |
| Age Pension | Assets test, income test and deeming, with thresholds indexed each March, July and September; eligible from 67 |
| Income tax | 2026‑27 rates, the lower bottom rate from 2027‑28, offsets for low incomes and seniors, and the Medicare levy |
| Capital gains | The 50% discount on gains to 30 June 2027, then indexation and a 30% minimum tax |
| Negative gearing | Losses on established homes bought after 12 May 2026 carried forward from 2027‑28 |
Every assumption, with its source, is listed under Assumptions.
How the projection works
For each year from now to the end of your plan, the calculator grows your salary, super and investments, takes out tax and spending, and adds the Age Pension once you qualify.
Markets do not move in straight lines, so it also runs your plan through hundreds of possible economies, including slumps and bursts of inflation. It reports the middle result and how often your money lasts.
Results can be shown in today's dollars, so they compare directly with what things cost now.
More tools and guides
- How to use the calculatorsWhich one to start with, and what each field means
- Compare scenariosTwo or more plans side by side
- MethodologyHow each part of the projection is calculated
- AssumptionsDefault rates and policy settings, with sources
- SMSF guideWhen a self-managed fund makes sense
- Trusts and companiesHow the structures are taxed in retirement
- Retirement insightsWhat other users' plans look like, in bands
- What's changedRule updates and new features
- FeedbackReport a problem or ask a question
This is general information, not financial advice. The calculators do not know your full circumstances. Check important decisions with a licensed financial adviser, and see Moneysmart for free government guidance.