Complete step-by-step guide to mastering your retirement planning
📖 Complete interactive guide • 🎮 Live demos • 🎬 Animated walkthrough
Get started in 3 simple steps
Fill in your current age, income, superannuation balance, and financial goals.
Click "Generate AI Recommendations" to get comprehensive retirement analysis.
Explore charts, recommendations, and export your retirement plan.
Comprehensive retirement planning tools at your fingertips
Run thousands of scenarios to understand your retirement probability and risk.
Get personalized recommendations across 8 strategic areas of retirement planning.
Comprehensive property modelling with market cycle data and future property scenario support.
Accurate Australian Age Pension calculations with asset and income tests.
Three-dimensional risk assessment: capacity, tolerance, and requirement.
Professional reports in multiple formats for sharing with advisors, including key assumptions and warnings.
Complete walkthrough of every feature
Future Home or Property Plan and Expected Future Windfall / Inheritance stay scenario-only unless you explicitly include them in the base projection. Windfall and inheritance values are simplified planning assumptions, not tax or legal modelling.
Suggestions & Action Plan, stress tests, overseas retirement, and retirement-age tools run on demand. Re-run them after changing inputs if the page marks them as needing refresh.
Enter your current age, partner's age (if applicable), and planned retirement age.
Enter your current superannuation, savings, and investment balances.
Provide your current salary and savings rate for accurate projections.
Visual guide to the complete planning process
Personal & financial details
Monte Carlo & AI recommendations
Charts & projections
Refine strategy & scenarios
Execute recommendations
Master the calculator with these expert techniques
Compare retiring at 62, 65, and 67 to see the impact on your finances.
See how increasing savings by 5% affects your retirement timeline.
Model keeping vs selling investment property at different ages.
Use salary sacrifice and spouse contributions to optimize tax benefits.
Adjust risk levels as you approach retirement for better outcomes.
Factor in 6.5% healthcare inflation vs 2.9% general inflation.
Watch an animated demonstration of the complete retirement planning process:
Common questions and solutions
Monte Carlo simulation uses random variables to model market uncertainty. Each run produces different results by design - this shows the range of possible outcomes. The key metrics to focus on are the success rate and median results across all simulations.
The calculator uses current 2025 Age Pension rates and applies both asset and income tests correctly. However, pension rules can change over time, and individual circumstances may affect eligibility. Always verify with Services Australia or a qualified advisor.
Yes! The calculator automatically saves your inputs in your browser's local storage. Your data will be restored when you return. You can also export your complete analysis as PDF or Excel files for permanent storage.
Currently, the calculator models one investment property. For multiple properties, you can combine their values and cash flows, or run separate analyses for different property strategies. A future update will support multiple property modeling.