A free retirement calculator built around Australian super, tax, and pension rules
Get personalized insights with Monte Carlo simulations, Age Pension calculations, property analysis, and AI-powered recommendations.
No signup required • 100% free • Your data stays private
Uses 30-year Australian historical averages. No overly optimistic assumptions, no doomsday scenarios - just realistic planning.
Accurate calculations based on current Services Australia rules, including asset tests, income tests, and deeming rates.
Runs 1,000+ scenarios to show your probability of success. See the full range of possible outcomes.
Should you sell investment properties? Downsize your home? Get detailed cash flow and CGT analysis.
Personalized suggestions across 8 strategic areas. Get specific actions you can take to improve your retirement.
Planning to retire abroad? Model Age Pension portability, currency risk, and cost-of-living in 8+ countries.
Answer simple questions about your age, income, super balance, and goals. We handle all the complex calculations.
See your projected retirement income, identify shortfalls, and get 3-5 prioritized actions to improve your outcome.
Explore different strategies: save more, work longer, downsize property. See instant impact on your retirement.
Access Monte Carlo simulations, property analysis, overseas retirement planning, and comprehensive recommendations.
When enabled, also projects measures that are still bills: the 30% minimum tax on discretionary trust distributions from FY 2028-29 (introduced 14 October 2026). The 14% rate and WATO (from FY 2027-28), the $1,000 standard work deduction (FY 2026-27), the 1 July 2027 CGT changes and the negative-gearing limit are now law and always applied. Leave unchecked for current-law projections only.
Customize all parameters for detailed analysis
Choose 2-3 of these strategies to close the gap. Each shows the exact impact on your retirement income.
Try different scenarios to see their impact. Adjust the sliders to explore options.
This engine analyzes your financial situation and runs dozens of scenarios to identify the most impactful strategies to improve your retirement outcome. Click the "Generate AI Recommendations" button to start.
Simulate your complete financial life year-by-year — from now to your expected lifespan.
These answers translate your current inputs into direct planning guidance for the most common retirement questions.