Will You Have Enough to Retire?

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.

🔬 Open Advanced V2 Classic Advanced ✨ Retirement V3 🎯 Reverse Planner

No signup required • 100% free • Your data stays private

What Makes This Calculator Different?

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Conservative Projections

Uses 30-year Australian historical averages. No overly optimistic assumptions, no doomsday scenarios - just realistic planning.

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Age Pension Estimates

Accurate calculations based on current Services Australia rules, including asset tests, income tests, and deeming rates.

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Monte Carlo Simulation

Runs 1,000+ scenarios to show your probability of success. See the full range of possible outcomes.

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Property Analysis

Should you sell investment properties? Downsize your home? Get detailed cash flow and CGT analysis.

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AI Recommendations

Personalized suggestions across 8 strategic areas. Get specific actions you can take to improve your retirement.

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Overseas Retirement

Planning to retire abroad? Model Age Pension portability, currency risk, and cost-of-living in 8+ countries.

How It Works

Quick Start (5 minutes)

Answer simple questions about your age, income, super balance, and goals. We handle all the complex calculations.

Get Your Reality Check

See your projected retirement income, identify shortfalls, and get 3-5 prioritized actions to improve your outcome.

Try What-If Scenarios

Explore different strategies: save more, work longer, downsize property. See instant impact on your retirement.

Deep Dive (Optional)

Access Monte Carlo simulations, property analysis, overseas retirement planning, and comprehensive recommendations.

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Include proposed Budget 2026-27 changes Not yet law

When enabled, projections include proposed (unenacted) measures: 14% tax rate from FY 2027-28, $250 WATO offset from FY 2027-28, $1,000 instant work deduction from FY 2026-27, and CGT reform from 1 July 2027. These are Budget 2026-27 proposals that have not passed Parliament. Leave unchecked for current-law projections only.

Personal & Risk Profile ⭐ Core Fields

Partner's Retirement Age

Partner's Expected Lifespan

Risk Tolerance Assessment

Current Finances

Some employers quote salary as base salary plus super; others quote a total package including super. This calculator converts package-inclusive income into cash salary and employer SG before running tax and retirement projections.

Income mode Apply maximum super contribution base Maximum contribution base per quarter ($)

My employer super is different Annual Employer Contributions ($)

Use this if your employer contribution differs from the standard SG calculation, for example due to package structure, negotiated contributions, or payroll treatment. For package including super, override employer SG will recalculate cash salary within the package.

Calculated cash salary, employer SG and concessional cap remaining will update from salary inputs.

Partner's Annual Salary (pre-tax) ($) Partner income mode Partner employer super is different

Partner's Current Superannuation ($)

Current Stock Portfolio ($)

Monthly Stock Contributions ($)

Property Portfolio Optional

Primary Residence

Outstanding Mortgage ($)

Annual Mortgage Rate (%)

Monthly Mortgage Payment ($)

Economic & Asset Allocation 💡 Advanced

Initial Investment Return (%)

Return Decline Rate (% p.a.)

Savings Return (%)

Dynamic Asset Allocation

Enable Dynamic Allocation

Glide Path Strategy

Current Recommended Allocation

Calculating...

Franking Credits

Australian Equity % of Total Equities

Expected Dividend Yield (%)

Average dividend yield for Australian equities

Franking Rate (%)

Percentage of dividends that are franked

Franking Credit Benefit Factor

Scaling factor based on tax position (1.0 = full benefit)

Salary Progression

Annual Real Salary Growth (%)

Lean Years Start (years before retirement)

Lean Years Salary Reduction (%)

Expected Future Windfall / Inheritance Optional

Enable future windfall Include in base projection

Expected age

Estimated amount (1000 4 24 27 30 46 101 1000 1003

Confidence

Treatment

This is a simple scenario input only. It does not model legal, tax, CGT, deceased-estate, trust or super death-benefit rules. Use it only as a rough planning assumption. Speculative windfalls should not be relied upon.

Australian Pension System Optional

ASFA Comfortable (Couple) p.a.

March 2025: $73,875 comfortable, $48,184 modest

Max Age Pension (Couple) p.a.

Pension Asset Limit (Couple)

Pension Income Threshold (p.f.)

Simulation Controls

Monte Carlo Runs

Enable Market Shocks

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Run the calculation to see your retirement overview here.

Your Retirement Reality Check

YOUR GOAL

Retire at age 65 (12 years from now)

Comfortable lifestyle: $73,000/year

YOUR PROJECTION (Conservative)

Superannuation at retirement: $380,000

Age Pension: $18,000/year

Your annual income: $33,200/year

Based on conservative 6.5% super returns, 2.6% inflation

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$17,800/year

$342/week shortfall

Your Action Plan

Choose 2-3 of these strategies to close the gap. Each shows the exact impact on your retirement income.

What-If Calculator

Try different scenarios to see their impact. Adjust the sliders to explore options.

What if I save an extra amount to super each month?

$0/month

What if I pay extra on my mortgage each month?

$0/month

What if I delay retirement?

0 years later

Enhanced Retirement Summary

AI-Powered Recommendations

AI-Powered Recommendation Engine

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.

🔮 Financial Life Simulator

Simulate your complete financial life year-by-year — from now to your expected lifespan.

For the full life simulation experience, use the Advanced V2 or the Classic Advanced Calculator, the Retirement V3 calculator, or the Reverse Planner, which supports the complete simulation engine with all input fields.

⚙️ Simulation Settings

Retirement Spending Strategy