This is a Financial Well-being Tool intended for educational purposes only.

Australian Retirement Calculator - Professional Financial Planning Tool

Australian Retirement Calculator - Advanced Planning Tool

Advanced retirement planning with superannuation, age pension, healthcare costs, aged care, dynamic allocation, and investment property modeling

Quick Start: Fill in your personal details and finances in the left panels, then click "Calculate Enhanced Projection" to see your retirement forecast. Use "Run Monte Carlo Simulation" for probability-based risk analysis.

Help Guide
✓ Free to Use ✓ Australian Tax Rules ✓ Monte Carlo Analysis

👋 Welcome to Your Retirement Planner

Choose how you'd like to get started with your retirement planning journey

✨ New to retirement planning? Our guided wizard makes it easy to get started!

🚀 Advanced Analysis Tools

Use these tools to run detailed retirement analysis. Start with Calculate, then use the analysis tools below:

Step 1 — Run Core Calculations
Step 2 — Analyse Your Situation
Step 3 — Compare Strategies
Step 4 — Close the Gap

Want to know what to change to reach your target? Use the Reverse Planner — it imports your current data and shows exactly what must change.

Open Reverse Planner using these inputs →
AU Average Template

Your Risk Profile

Risk Capacity
Calculating...
Risk Tolerance
Set below
Risk Requirement
Calculating...
Required field Optional field Fields marked * must be filled to run calculations

Personal & Risk Profile ⭐ Core Fields

i Your Current Age Enter your age today. This affects superannuation preservation rules, age pension eligibility, and asset allocation recommendations.
Example: If you're 49, you can access super at 60
i Your Retirement Age Age when you plan to stop working. Consider: Age pension starts at 67, but you can access super from preservation age (60-65 depending on birth year).
Example: Retire at 65, bridge gap until age pension at 67
Each extra year of work typically adds 3–4% to your projected retirement income: you earn and contribute for one more year, your super compounds for one more year, and you draw it down for one fewer year. A 1-year delay has a larger impact than almost any other single lever. Age Pension eligibility starts at 67 regardless of when you retire, so retiring before 67 requires a self-funded bridge period.
i Your Expected Lifespan How long you expect to live. Australian life expectancy is ~81 for men, ~85 for women. Planning to 90+ ensures your money doesn't run out.
Example: Plan to 95 for conservative estimates, or enter 0 to model until money runs out

Used only when Monte Carlo longevity distribution mode is enabled. Female life tables → mean ~87; Male → mean ~84 (ABS 2020-22).

Selecting Single hides partner/spouse fields and excludes partner values from calculations. Switching back to Couple restores the existing field values.

Partner Details (leave blank if single)
i Partner's Current Age Your partner's age affects age pension calculations as couple rates apply when both are eligible. Leave blank if single.
Example: Younger partner delays full age pension benefits
i Partner's Retirement Age Age when your partner plans to stop working. Affects dual-income projections and couple age pension eligibility timing.
Example: If partner retires at 60, income drops earlier but pension may not start until 67
i Partner's Expected Lifespan How long your partner is expected to live. Australian life expectancy: ~81 for men, ~85 for women. Planning beyond 90 ensures joint funds don't run out.
Example: Plan to 90–95 for conservative paired projections, or enter 0 to model until money runs out

🇦🇺 Australian Residency & Earnings History

i Age Came to Australia Age when you first arrived to live in Australia. Used to calculate your Australian residency period for Age Pension (AWLR) purposes. The Age Pension requires 10 years continuous Australian residence, with pro-rata calculations for partial residency.
Example: Arrived at age 30, currently 49 = 19 years residency
i Age Started Earning in Australia Age when you first started receiving Australian income and superannuation contributions. Superannuation guarantee contributions are compulsory for most workers from their first job. Earlier start = larger super balance. Leave blank if same as age came to Australia.
Example: Came at 25 but started work at 26 after studying
i Partner's Age Came to Australia Partner's age when they first arrived to live in Australia. Affects their Age Pension Australian Working Life Residence (AWLR) calculation. Leave blank if partner was born in Australia.
i Partner's Age Started Earning in Australia Age when partner first started receiving Australian income and super contributions. Leave blank if same as age came to Australia.

Risk Tolerance Assessment

i Risk Tolerance How comfortable you are with investment volatility. Conservative (1-3): Low growth, stable returns. Moderate (4-7): Balanced approach. Aggressive (8-10): High growth potential with higher volatility.
Example: Conservative investors prefer bonds and term deposits
Conservative Moderate (6) Aggressive

Risk Profile Details (improves accuracy of risk assessment)

i Emergency Fund Status Cash reserves for unexpected expenses (job loss, medical bills). Having 6+ months of expenses improves your risk capacity and allows for more aggressive investing.
Example: $30k expenses = $15k emergency fund minimum
i High-Interest Debt Status Credit cards, personal loans, or other debts above 8-10% interest. High debt reduces risk capacity and should typically be paid off before investing.
Example: 20% credit card debt vs 7% investment returns
i Financial Dependents People relying on your income with varying costs and contribution levels. Specify your percentage contribution - others may include: government support (NDIS, Age Pension), other family members, child support, charity assistance, or the dependent's own resources.
Example: Elderly parent in home care - you pay 30%, government covers 50%, other siblings contribute 20%

Enter a number greater than 0 to see detailed breakdown options

📚 Education Costs (Dependent Children)

Average annual cost per child for school fees, uniforms, activities

👴👵 Aged Parents & Family Carers

i Aged Parents & Family Carers Caring for aged parents or family members can affect your work capacity, income, and superannuation contributions. The Australian Carer Payment and Carer Allowance provide government support. If parents are non-citizens overseas, there is no Age Pension portability for them; if they come to Australia, they may access aged care services but not the Age Pension until qualifying.
Example: Caring for a parent reduces work hours, lowering super contributions for 3 years

Current Finances

i Your Annual Base Salary (excluding super) Enter your gross base salary before tax. Employer super (12% SG) is calculated on top of this and added to your super fund separately — do not include it here.
Example: $100k base salary → employer adds $12k super on top → ~$77k take-home after income tax & Medicare levy. If your package is "$112k including super", enter $100k.

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.

Partner income and super fields are hidden and excluded while Household Status is Single. Switch to Couple to restore the saved partner values.
i Partner's Annual Base Salary (excluding super) Enter your partner's gross base salary before tax. Employer super (12% SG) is calculated on top and added to their fund separately — do not include it here. Leave as 0 if planning as a single.
Example: $80k base salary → employer adds $9,600 super on top. If the package is "$89.6k including super", enter $80k.

📉 Reduced Income Scenario

i Reduced Income After a Certain Age Model a scenario where your income drops at a specific age due to health issues, career change, part-time work, or other reasons before full retirement. This affects superannuation contributions, income tax, and savings accumulation from that point forward.
Example: Earn $200,000 currently, but at age 56 move to a $110,000 role
i Your Current Superannuation Total super balance today across all funds. Check your myGov account or latest super statement for accurate figures.
Example: $300k at age 50 could grow to $800k+ by retirement
Your current super balance is the starting point for compound growth. At 7.5% p.a., $100k today becomes ~$200k in 10 years without any new contributions. Super is taxed at 15% in accumulation and is tax-free from age 60 in pension phase. It also affects the Age Pension income test through deeming (1.75% on the first $66,800 of a single person's financial assets, 3.75% above; the couple threshold is $110,600, as at 20 September 2026).

💼 Super Strategy (Optional)

i Salary Sacrifice / Additional Concessional Contributions Pre-tax amount you contribute to super on top of the employer Super Guarantee (12%). Salary sacrifice reduces your taxable income — you pay 15% contributions tax instead of your marginal rate.

2025-26 concessional cap: $30,000/year. The concessional cap includes employer SG, salary sacrifice and personal deductible contributions.
At salary $100k: employer SG = $12k. Salary sacrifice capacity depends on remaining concessional cap room.

Division 293: Division 293 tax may apply to high-income earners.
Example: $100k salary → $12k SG → sacrifice $10k → taxable income drops to $90k, saving ~$3.2k in tax

Pre-tax salary sacrifice on top of employer SG. The concessional cap includes employer SG, salary sacrifice and personal deductible contributions.

i Partner's Salary Sacrifice Same rules apply as for you: the concessional cap includes employer SG, salary sacrifice and personal deductible contributions. Calculated independently per person.

Partner pre-tax salary sacrifice. The concessional cap includes employer SG, salary sacrifice and personal deductible contributions.

i Non-Concessional Contributions (NCC) After-tax money contributed to super. No contributions tax on the way in. Annual cap is $120,000 (2024-25) if your total super balance (TSB) is below $1.9M.

3-year bring-forward rule: If your TSB is below $1.66M you can contribute up to $360,000 in a single year, using 3 years' worth of cap. TSB $1.66M–$1.78M allows $240k (2 years). TSB $1.78M–$1.9M allows $120k only. TSB ≥ $1.9M = $0 allowed.

Enter your planned annual amount. If it exceeds $120k the simulator will apply the bring-forward rule and lock out NCC for the following 1-2 years.
Example: Lump sum of $300k from an inheritance — enter $300,000 and the simulator brings forward 3 years' cap.

After-tax contributions. Capped at $120k/year; bring-forward allows up to $360k in a single year if TSB < $1.66M.

i Partner's Non-Concessional Contributions Same rules as above but based on the partner's individual total super balance. Each person's bring-forward entitlement is assessed separately.

Partner's after-tax super contributions. Bring-forward assessed independently.

i Custom Employer Super Contribution Rate (%) Override the default 12% Super Guarantee if your employer contributes more under an award, enterprise agreement, or contract. This rate is used when calculating the remaining concessional room for salary sacrifice.
Example: 15% employer super on a $120k salary means about $18k is already going into super before any salary sacrifice

Optional override when your employer pays above the legislated Super Guarantee or uses a contracted rate.

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

Annual concessional cap is $30,000 (2025–26). Unused amounts can be carried forward for 5 years.

Non-concessional contribution to lower-earning spouse's fund. Eligible for up to $540 tax offset.

i Downsizer Contribution Requires "Plan to Downsize?" to be set to Yes – Downsize and access equity in the Property section below. When you select that option this checkbox is automatically ticked — you can still uncheck it if you prefer not to use the scheme.
Eligibility: age 55+, home owned 10+ years, up to $300,000 per person (or $600,000 per couple) contributed to super from the sale proceeds.

Enabled only when "Plan to Downsize?" is set to Yes in the Property section below. Selecting "Yes" will automatically tick this box.

First Home Super Saver (FHSS)

How FHSS works: Voluntary super contributions (concessional or non-concessional) can be released for a first home deposit — up to $15,000/year and $50,000 total. Withdrawals are taxed at your marginal rate minus a 30% offset.
i Current Cash/Savings Bank accounts, term deposits, cash investments. Include emergency fund and any cash earmarked for retirement.
Example: $50k emergency fund + $75k investment cash = $125k

Spending is estimated from ABS averages — enable above to enter exact figures.

i % of Post-Tax Income Saved Percentage of after-tax income you save for retirement (excluding super). Higher savings rates dramatically improve retirement outcomes.
Example: Save 10% of $80k take-home = $8k annually

Additional Income Sources (outside salary — added to accumulation)

Net profit from business/freelance after expenses but before personal income tax. Note: business owners may not receive SG super contributions — check your setup.

Dividends, trust distributions, or interest from managed funds/ETFs/term deposits outside superannuation.

Property Portfolio Optional

Primary Residence

Use Renting/Family if you don't currently own a primary residence.

i Current Home Value Today's market value of your primary residence. Use recent sales of comparable properties or professional valuation. For Centrelink, the principal home is generally exempt from the Age Pension assets test unless structured in a way that loses the exemption.
Example: a standard owner-occupied $800k home is usually fully exempt from the assets test
i Plan to Downsize? Whether you plan to sell and buy a smaller/cheaper home in retirement. Downsizing can free up capital and reduce living costs. The downsizer contribution allows up to $300k into super.
Example: $1.2M home → $800k apartment = $400k freed up

Other Debts (affect cash flow & net worth)

High-interest debts (credit cards, personal loans) reduce your effective savings rate. Pay these off before investing — the guaranteed 20% return beats any investment.

Investment Property

Houses have higher long-run capital growth (land appreciates); units yield more but grow slower. A structural growth adjustment of −1.5 pp (unit) or −0.5 pp (townhouse) is applied relative to the rate you enter below.

Body corporate admin + sinking fund levies. Auto-filled by type (house $0, townhouse $2,500, unit $6,000). Typical ranges: walk-up $2k–$4k, mid-rise $4k–$8k, high-rise $8k–$20k+/yr.

Interest-only loans have lower repayments but the principal never reduces — you owe the same at sale.

Your expected long-run median growth rate. Monte Carlo runs apply a bounded stochastic variation each year. A structural adjustment is applied based on property type above.

i Sell Property in (Years from now) Choose when the model should sell the investment property. Enter 0 to keep the property for now — the property analysis will then show which tested sale year produced the strongest projected financial outcome.
Example: Enter 7 to sell when you are 7 years older, or 0 to compare a hold strategy against suggested sale timing

Enter 0 to keep the property for now and see the best tested sale timing in the property analysis.

Expected weeks vacant per year as a percentage (e.g. 4 = ~2 weeks p.a.)

Annual rate at which property maintenance costs increase

Auto-calculates land tax for NSW, VIC, QLD, WA, SA based on published state rates. Note: land tax is assessed on site value (unimproved land), not the total property market value — enter your land's site value in the property value field, or adjust the result manually.

Annual land tax for investment property (varies by state and property value). Auto-populated when state is selected.

Property Tax Policy

Note: Proposed 2027 rules are not yet law. They represent configurable assumptions for scenario planning only.

Select the tax framework for CGT and negative gearing calculations

50% discount for assets held >12 months

Minimum effective CGT rate under proposed rules

Self-Managed Super Fund (SMSF)

SMSF Regulatory Note: ASIC recommends an SMSF balance of at least $200,000–$500,000 to justify the ongoing costs. Balances below $300,000 may result in higher fees as a proportion of assets.

SMSF admin and compliance costs are additional to investment returns. Consult a licensed SMSF auditor or financial advisor.

Read our SMSF guide →

Not sure if an SMSF is right for you? SMSFs explained simply →

Important: Trust assets may be attributed to you for Age Pension means testing if you have control.

Consult a financial advisor for trust-specific advice. This calculator estimates impacts based on Centrelink's attribution rules.

Read our guide: Trusts, companies & retirement →

Understand how trusts & companies affect retirement planning — read the guide →

Economic & Asset Allocation ⭐ Core Fields

i Annual Inflation Rate (%) Expected long-term inflation rate. The RBA targets 2–3% annually. The long-run Australian CPI median was 2.6% over 2000–2025 (RBA/ABS). Values above 4% are considered a stressed/pessimistic assumption.
Example: 3% inflation means $100 today = $74 purchasing power in 10 years
i Initial Investment Return (%) Expected annual return on your non-super investments. Australian balanced fund long-run median: ~7% p.a. (2000–2025). This is the starting rate that gradually declines as your portfolio becomes more conservative (see Return Decline Rate below).
Example: 7% return on $200k savings = $14k growth per year
i Return Decline Rate (% p.a.) Lets long-run portfolio returns taper down over time as retirement approaches and asset allocation becomes more defensive. Use 0 if you want a flat return assumption throughout the projection.
Example: Starting at 6.0% with a 0.10% decline means the assumption becomes 5.9%, then 5.8%, and so on
i Savings Return (%) Annual interest earned on cash, offset accounts, or term deposits. This is typically lower than growth investments but more stable.
Example: 1.4% on $100k cash savings adds about $1,400 over a year before tax
i Super Annual Growth (%) Expected annual return for your superannuation fund. Australian balanced super funds returned a median 7.5% p.a. over 2000–2025 (APRA). Growth options: 8.5–9.5%. Conservative options: 5–6%. Values above 9% are considered aggressive assumptions.
Example: 8% return doubles super balance roughly every 9 years

Dynamic Asset Allocation

Current Recommended Allocation
Calculating...

Franking Credits

Average dividend yield for Australian equities

Percentage of dividends that are franked

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

Salary Progression

Healthcare & Aged Care

i Medicare Levy Surcharge (MLS) The MLS is a SEPARATE charge on top of the standard 2% Medicare Levy. It applies only to high earners WITHOUT private hospital cover:

• $93,001–$108,000: +1.0% of income
• $108,001–$144,000: +1.25% of income
• $144,001+: +1.5% of income

Example: Income $120k without cover → MLS = $1,500/yr extra tax.
If you have private hospital cover (any level), the MLS does not apply.
Note: The standard 2% Medicare Levy applies regardless of private cover.

Without private hospital cover, high earners pay the Medicare Levy Surcharge (1%–1.5% of income above $93,000).

i Current Health Condition Adjusts projected healthcare costs and aged care likelihood. It is a modelling input only and does not replace medical advice.
Example: Choosing Fair or Poor increases healthcare cost growth and tends to bring forward aged care assumptions

Affects projected healthcare cost trajectory and aged care probability. Fair/Poor health increases costs and reduces aged care start age.

i Current Annual Healthcare Costs Your out-of-pocket medical, dental, specialist, insurance excess, and pharmacy costs today. These costs are used as the base for future healthcare inflation.
Example: GP gap fees, scripts, dental, and physio adding to $4k–$6k per year
i Healthcare Inflation Rate (%) Medical costs often rise faster than general CPI. This setting controls how quickly your healthcare spending grows across the projection.
Example: 4% healthcare inflation means a $5,000 annual medical budget becomes about $7,400 in 10 years
i Aged Care Probability (%) Likelihood you'll need residential aged care. Australian statistics show ~70% of people will need aged care at some point. Consider family history, health, and gender (women have higher probability due to longer life expectancy).
Example: 68% means 68% chance of needing aged care costing ~$75k/year
i Expected Aged Care Start Age Average age when residential aged care begins. Australian average is around 85-88. Consider your health, family history, and lifestyle factors.
Example: Good health and family history suggests starting at 90

Leave this at 0 or blank to use the age your assets run out after a projection is calculated.

i Expected Duration (years) Auto-calculated as your expected lifespan minus the aged care start age. You can override it if you want to model a shorter or longer care period.
Example: Lifespan 95 and aged care start age 88 gives a 7-year duration

This auto-calculates once you enter a lifespan above your current age.

i Annual Aged Care Cost Total yearly cost for residential aged care including accommodation, care fees, and daily living expenses. Government subsidies reduce this, but you may still pay $40k-$100k+ annually.
Example: $76k/year includes accommodation payment + care fees

Age-Related Optional Costs Optional

Toggle the scenarios you want to model. Costs are applied in the simulation when the trigger age is reached. If downsizing to a newer/strata property is planned, maintenance costs may drop but body-corporate fees may apply.

Research shows retirement spending typically follows an Active → Stable → Frail pattern, falling in the middle years before rising for late-life care.

Australian Pension System Optional

i Desired Annual Income in Retirement (today's dollars) Your target lifestyle spending in today's purchasing power. The calculator inflates this into future dollars automatically, so you should enter what would feel comfortable today.
Example: $73,031 today is roughly the ASFA March 2025 comfortable standard for a couple, while $51,814 suits a single retiree

Enter your target annual spending in today's dollars — the simulation automatically adjusts for inflation. ASFA Comfortable standard (Mar 2025): couples $73,031, singles $51,814.

Target Income Builder

This uses your existing data as a guide: monthly net income minus costs likely to stop in retirement. You can tweak only the work/children estimate below.

Separate uplift added to your desired annual income target.

Future Home or Property Plan Scenario only

Optional scenario modelling for buying, inheriting, selling, or paying off property later. These events do not improve the base projection unless you explicitly include them in the base plan.

Future property stays scenario-only unless you explicitly include it in the base projection. From the event age, homeowner or investment-property status can change.

Expected Future Windfall / Inheritance Scenario only

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 and do not improve the base projection unless you explicitly include them.

Longevity Insurance (Annuity)

Model a guaranteed income stream purchased from your portfolio.

Lifestyle Expense Breakdown (optional)

These are added on top of your base desired income above. Leave at 0 if already included in your target income.

Domestic & overseas holidays

Golf, sports, arts, clubs, etc.

Legacy & Inheritance Planning

Amount you want to leave to children, charity, or estate. Set to 0 if you plan to spend everything.

Updates your desired annual income target and is used in the Suggestions panel.

i Max Age Pension p.a. Annual full-rate Age Pension used in the model. The calculator can default this to the current single or couple rate depending on your household setup, but you can override it if you want to test policy changes.
Example: A higher pension assumption improves the income backstop after private assets are depleted
The Age Pension is indexed every 20 March and 20 September. From 20 September 2026, normal maximum rates are $1,237.70 per fortnight for a single person and $1,866.00 combined for a couple. These rates are auto-defaulted for your household type.
i Pension Asset Threshold Asset value below which full Age Pension is payable. The calculator can default this for single/couple and homeowner/non-homeowner cases. Above this threshold, pension reduces by $3 per fortnight for every $1,000 in excess assets.
Example: $500k assets = reduced age pension of ~$43k/year
Above this threshold, the Age Pension reduces by $3 per fortnight ($78/year) for every $1,000 of excess assets. The threshold differs for homeowners vs non-homeowners by $267,000 (September 2026). Your principal home is generally exempt from the assets test.
i Pension Asset Limit Approximate upper assets threshold where Age Pension cuts out completely. The calculator can default this for single/couple and homeowner/non-homeowner cases. Above this level the model assumes no Age Pension entitlement.
Example: Assets above the cutoff mean the Age Pension safety net does not start until assets fall back below the limit
i Pension Income Threshold (p.f.) Fortnightly income threshold before the income test starts reducing the Age Pension. The calculator can default this for single or couple settings and then uses it with deeming and other assessable income assumptions.
Example: Higher assessable income above the threshold gradually reduces the pension payable

Home Modification & Mobility

Simulation Controls

i Monte Carlo Runs Number of simulated market paths. More runs usually give a smoother probability estimate but take longer to calculate.
Example: 5,000 runs is a practical balance; 10,000+ gives a more stable success-rate estimate
i Return Volatility (%) Standard deviation of annual returns (risk measure). Conservative portfolios: 5-8%, Balanced: 10-15%, Growth: 15-20%. Higher volatility means more variable year-to-year returns.
Example: 12% volatility means returns typically vary ±24% from average

Sets return and inflation assumptions. Run the calculation to see updated projections.

i Scenario Mode Applies a preset lens to returns and inflation so you can compare base, optimistic, pessimistic, and crisis-style environments without changing every assumption manually.
Example: Crisis mode layers in weaker returns and tougher inflation to test resilience

Adjust return and inflation assumptions for scenario planning

Weighting for global macro risks (war, recession). 0 = none, 1 = high. Applied to return volatility.

Annual probability of an inflation spike year (>8%) eroding purchasing power

Annual probability of a severe property value decline (>15%)

Rules as at loading… (see assumptions)
📊

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
Income replacement ratio: — of pre-retirement salary
Based on conservative 6.5% super returns, 2.6% inflation
Effective date —
Single pension max (annual) —(fn: —)
Couple pension max (annual) —(fn: —)
Deeming rates — / —
Asset test — single homeowner (full / cutoff) — / —
Asset test — couple homeowner (full / cutoff) — / —
Income tax brackets 2025-26
Next scheduled review 20 March 2027
Source: Services Australia · Full assumptions page
⚠️
$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.

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Enhanced Retirement Summary

Modelled projections based on your inputs. General information only — not financial advice.

Suggestions Based on Your Modelled Inputs

    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.

    💡 Suggestions & Action Plan

    Based on your financial situation, here are options to explore based on your modelled situation. Each suggestion shows the potential impact and includes a "Try This" button to see exactly how it affects your projections.

    🏠 Property Strategy

    💰 Income & Career Strategy

    📈 Investment Strategy

    ⏰ Retirement Timing

    🏦 Mortgage & Debt Strategy

    🛡️ Insurance & Protection

    This will analyze your current situation and provide specific, actionable recommendations

    Year-by-Year Projection

    Your current retirement income
    $0
    Per year, in today's dollars — your projected income at retirement from super drawdown, age pension and other sources.
    Super drawdown $0
    Age pension $0
    Other income $0
    vs ASFA Comfortable —
    Income through retirement (today's dollars)
    Breakdown at retirement

    Note: This projection includes healthcare costs, aged care planning, and investment property modeling.

    YearAgeLiquid Assets 💳Non-Liquid Assets 🏘️GrowthYearly WithdrawalPensionProperty IncomeHealthcareAged CareEnd Balance 💰Overseas 🌏Total Net Worth 🏠

    Investment Property Analysis

    Risk Analysis

    Advanced Simulation Results

    Portfolio Balance Over Time

    Final Balance Distribution

    Asset Allocation Over Time

    Property vs Portfolio Growth

    Retirement Optimization Strategies

    🌍 Overseas Retirement Planning

    Overseas Retirement Analysis

    Age Pension Eligibility
    Calculate to assess
    Tax Residency Impact
    Depends on location
    Asset Structure
    Trust vs personal

    Overseas Residence Plans

    Used for AWLR calculation (between ages 16-67). Leave blank to auto-calculate from your current age.

    Important: For a permanent move, Pension Supplement reductions apply from the departure date — not after 26 weeks.

    Agreement-country rules can affect qualification and payment rates. Confirm the rules for the selected country with Services Australia. The country dropdown sets this automatically for known agreement countries.

    Foreign residents lose the tax-free threshold (30% flat rate on Australian-sourced income). Seek specialist advice before departure.

    Medicare does not cover overseas treatment. Pensioner Concession Card is cancelled after 6 weeks overseas.

    Complex decision affecting tax on all income sources

    Asset Structure Strategy

    In Australian dollars (consider healthcare, housing, lifestyle)

    Currency & FX

    Currency you'll primarily spend in overseas.

    Negative = AUD depreciates vs local (your costs rise). Positive = AUD strengthens (costs fall). Applies to locally-denominated spending.

    Local Housing

    Your principal housing situation overseas. Affects cost-of-living calculation.

    Annual rent converted to AUD at current rates. Subject to FX drift above.

    Return-to-Australia Fallback

    If you plan to return to Australia at a certain age, enter it here. Pension portability and AWLR rules reset on return.

    Used to model the fallback scenario in the comparison below.

    Age Pension: Four-Scenario Comparison

    The rules differ materially depending on your departure intent. All four cases are shown so you can assess each risk separately.

    Select a country and click "Calculate Scenarios"

    Results use Age Pension policy from 20 September 2026

    ⚠️ Key Overseas Retirement Rules (September 2026)

    • Temporary travel: Energy Supplement and Pensioner Concession Card stop after 6 weeks. Full Pension Supplement continues for up to 12 weeks, then stops.

    • Age Pension — 26-week rule: After 26 weeks, an AWLR-proportional rate applies if your Australian Working Life Residence is below 35 years. If 35+ years, the full rate continues.

    • Permanent move: If moving to live overseas (not just visiting), the Pension Supplement, Energy Supplement and Pensioner Concession Card stop on your departure date.

    • Principal home — asset test: Services Australia distinguishes homeowner and non-homeowner thresholds (September 2026: homeowner full-pension limit $333,000 single / $499,000 couple; non-homeowner thresholds are $267,000 higher, giving $600,000 single / $766,000 couple). The principal home is generally exempt from the assets test at all. If you sell and rent, you become a non-homeowner and the higher thresholds apply (but sale proceeds are assessable for 24 months unless reinvested in a new home).

    • Return to Australia: If you leave again within 2 years of returning and starting Age Pension, payments may stop (exceptions: agreement countries, humanitarian visas).

    • Healthcare: Medicare does not cover overseas treatment. Private international health insurance is strongly recommended. Pensioner Concession Card expires after 6 weeks abroad.

    • Superannuation: Access rules (age 60+) apply regardless of residency. Some funds close accounts for permanent overseas residents — check with your fund.

    • Tax: Foreign residents lose the tax-free threshold and pay 30% on Australian-sourced income from the first dollar. Double Tax Agreements may reduce this for agreement countries. Always seek specialist advice.

    Scenario Comparison

    Advanced Scenario Builder

    Create and compare custom scenarios with detailed parameter adjustments

    Launch Advanced Tool →

    Select Scenarios to Compare

    🔮 Financial Life Simulator

    Simulate your complete financial life year-by-year — from now to your expected lifespan — using the data you've already entered.

    ⚙️ Simulation Settings

    How withdrawals adjust to market performance in retirement

    ⚠️ General Information Only: This simulator provides general financial projections only. It does not constitute financial advice. Users should consult a licensed financial adviser before making financial decisions.

    💰 Retirement Cost Reality Check

    What will everyday life actually cost? Inflation-adjusted projections across three scenarios — showing you the real dollar amounts you'll need at retirement and beyond.