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Will Your Retirement Survive The Next Crash? Know in 60 Seconds

Australian retirement calculator — real historical data, Age Pension rules & Monte Carlo stress tests

Dr. Dennis Jensen PhD, founder of SuperCalc Pro
Engineered by Dr. Dennis Jensen (PhD, Former Federal MP)
Former CSIRO & DSTO scientist. Built to model Australian market volatility, Age Pension rules, and SMSF complexity.

Test it with 98 years of real market data (1928–2025) in 60 seconds. Your numbers stay in your browser. Start free — stress-test with Monte Carlo and historical crashes when you're ready.

Start with your numbers

Get a real first estimate before the full stress test

Uses SuperCalc engine
Engine-backed estimate
Calculating…
Age Pension
Checking…
Stress-test status
Open the full calculator with these inputs.

Sustainable income uses the same Basic Calculator engine with a 25-year retirement horizon by default (matches in-app defaults and the "Typical" preset). Age Pension included. Change years in Basic Calculator anytime.

Run full stress test →
Built by Dr Dennis Jensen (PhD) Former CSIRO & DSTO scientist
98 years Australian data 1928-2025 historical market returns
Age Pension + SMSF + tax Australian rules, not US assumptions
100% client-side privacy Your numbers stay in your browser
Run My 60-Second Stress-Test → Try a sample scenario

Subscribers: inputs stay on the page and are saved automatically between visits. Export your results to PDF or CSV anytime — still 100% private in your browser.

✅ Includes Age Pension Taper Trap modelling ✅ Calculates Division 293 tax impact ✅ Optimised for SMSF and LRBA structures
1928-2025 Real Market Data
100% Private Calculations stay in-browser
Monte Carlo 1,000+ Simulations
Export PDF Reports

98 Years

Based on real market data (1928–2025)

36+ Tools

SMSF suite included

$2.0M

Transfer Balance Cap (current)

100%

Private: runs in your browser

SMSF trustees & advisers: 36 tools for compliance, contributions, pensions, LRBA and reporting—all in one suite. No spreadsheets. Open SMSF Suite →

What You'll See

Your result — in under 2 minutes

This is what the Advanced Calculator actually produces — same layout, same panels, illustrative numbers only.

Actual calculator output — illustrative inputs only Not your numbers
SuperCalc Pro Advanced Calculator output showing real super balance over time, income by source, and Monte Carlo analysis

This is what your result looks like. Every number comes from your actual inputs.

Run My Stress-Test

2 free Advanced runs · No signup · Numbers stay in your browser

Subscriber export

Take your plan away — PDF or CSV

Show your partner, accountant, or adviser a structured report — not a screenshot. Same engine as the live calculator.

SuperCalc Pro Pty Ltd
Advanced Retirement Projection
Illustrative export layout — your numbers, your inputs
Maximum sustainable income
$58,400/year
Projection
30 years
Success rate
87%
Age Pension
Included
YrBalanceIncome
1$642,000$58,400
10$511,000$58,400
20$284,000$62,100

Educational illustration only. Not financial advice. Subscriber exports include your actual inputs and full year-by-year tables.

Included with Advanced Retirement ($149/year) and All Access ($399/year).

Start With A Realistic Case

Pick a scenario close to yours

Open the Advanced Calculator with sensible starting inputs, then replace them with your own numbers.

Age Pension

Couple aged 65

$650k combined super, starting retirement immediately with Age Pension modelling on.

Run this scenario →
Sequence Risk

Single retiree aged 67

$800k super stress-tested from 1969, with drawdowns starting immediately.

Stress-test history →
Early Retirement

Retire at 60 bridge

$650k super, retiring before Age Pension age, with no hidden annuity or outside pension inputs.

Model the bridge →

How It Works

Get your retirement survival odds in three simple steps

1

Enter your super balance and target income

Age, super balance, target retirement income, and a few basics. Takes about 2 minutes.

2

See your survival odds

Real probability based on 98 years of market data. Tested against 1929, stagflation, 1987, dotcom, 2008, and Covid crashes.

3

Test what-if scenarios

Retire earlier? Work part-time? Change withdrawal strategy? See instant results.

What users say

Quotes used with permission. Individual experiences only; not financial advice.

“Running the model against a historical time series is an important capability. I value it. Running four choices of withdrawal strategy is great.”

— Laurie S.

“I like that you can quickly and easily change the inputs and re-run the what-if calculations. The staggered retirement age option is great too.”

— Robert C.

“This simulator is very informative and intuitive.”

Simple, Transparent Pricing

Start free with the Basic and Accumulation calculators. Upgrade when you need full retirement stress testing, or choose All Access for SMSF and every tool.

Subscribers: your inputs stay on the page and are saved automatically between visits. Export results to PDF or CSV anytime — still 100% private in your browser.

Free Calculators

$0

Start here, no signup

  • Basic Retirement Snapshot
  • Accumulation Calculator
  • Age Pension estimate
  • 2 free Advanced runs
  • See if you need to go deeper
Open Free Calculators

No signup required

★ MOST POPULAR

Advanced Retirement

Monthly Annual
$149

per year

  • Everything in Free Calculators, plus:
  • Saved inputs between visits — pick up where you left off
  • PDF & CSV export of your full results
  • Couples Phased Retirement UNIQUE
  • Advanced Monte Carlo Calculator
  • 98 Years Historical Data (1928-2025)
  • Dynamic Withdrawal Strategies
  • Sequence Risk Analysis
  • Advanced Tax Optimization
  • Priority Support

Cancel anytime • 30-day money back

Try 2 free Advanced runs first →

All Access

Monthly Annual
$399

per year

  • Everything in Advanced Retirement, plus:
  • SMSF Suite (36 tools)
  • Real-time Compliance Monitoring
  • ATO Reporting Examples
  • Asset Valuation Tools
  • LRBA & Related Party Tracking
  • Dedicated SMSF Support

Cancel anytime • 30-day money back

Educational use only. Not financial advice. See footer for full disclaimer.

Advanced Features

Professional-grade tools built for accuracy and comprehensive retirement planning. Advanced Retirement unlocks the full retirement engine. All Access adds the complete SMSF suite.

UNIQUE

Couples Phased Retirement

Most couples retire at different times. We haven't found another calculator that models this as a couple unit. SuperCalc Pro tracks both partners separately — income, super, Age Pension eligibility — and optimises household income across all five retirement phases.

See how it works →
LIVE

Historical Monte Carlo

1000+ simulations using 98 years of real market data (1928–2025). Actual Australian and international returns—not simplified averages.

In plain English: we run 1,000 "What-If" scenarios based on every Australian market crash since 1928 to see if your money lasts.

LIVE

Sustainable Income Strategies

Compare different ways to draw down your super safely (including Vanguard Guardrails, Dynamic SWR, Floor & Ceiling) so you pick an approach that fits.

LIVE

Contribution Optimizer

Maximize super with carry-forward caps (5 years), salary sacrifice, bring-forward rules, and reduce tax on high contributions (Division 293 calculator).

How We Stack Up

Compare SuperCalc Pro with ASIC MoneySmart’s retirement planner and other free calculators, the Mercer “Model My Super” engine behind many super-fund calculators, and premium adviser tools. These tools are solid for a current Age Pension and super-balance snapshot; they don’t model every historical crash sequence, phased retirement for couples, or dynamic withdrawal strategies across a 30-year plan.

Feature Comparison

SuperCalc Pro vs. Competitors

SuperCalc Pro
Real-Time Data Updates
✓
98 Years Historical Data (1928-2025)
✓
Monte Carlo (1000+ runs)
✓
Dynamic Withdrawal Strategies
✓
Phased retirement (e.g. TTR, different ages)
✓
Quick 4-Scenario Comparison
✓
Contribution Carry-Forward (5 years)
✓
Bring-Forward Rule Calculator
✓
Division 293 (tax on high contributions)
✓
Age Pension Integration
✓
SMSF Suite (36+ tools)
✓
SMSF Compliance Monitoring
✓
Related Party Transaction Tracking
✓
Asset Valuation Tools
✓
Privacy-First (No Data Storage)
✓
Unlimited Saved Scenarios
✓
Professional PDF Reports
✓
Offline Capability (PWA)
✓
Mobile Optimized
✓
Free Calculators Available
✓
MoneySmart & free calculators
Real-Time Data Updates
✗
98 Years Historical Data (1928-2025)
✗
Monte Carlo (1000+ runs)
✗
Dynamic Withdrawal Strategies
✗
Phased retirement (e.g. TTR, different ages)
✗
Quick 4-Scenario Comparison
✗
Contribution Carry-Forward (5 years)
✗
Bring-Forward Rule Calculator
✗
Division 293 (tax on high contributions)
✗
Age Pension Integration
~
SMSF Suite (36+ tools)
✗
SMSF Compliance Monitoring
✗
Related Party Transaction Tracking
✗
Asset Valuation Tools
✗
Privacy-First (No Data Storage)
~
Unlimited Saved Scenarios
✗
Professional PDF Reports
✗
Offline Capability (PWA)
✗
Mobile Optimized
~
Free Calculators Available
✓
Mercer “Model My Super”(fund calculators)
Real-Time Data Updates
~
98 Years Historical Data (1928-2025)
✗
Monte Carlo (1000+ runs)
✗
Dynamic Withdrawal Strategies
✗
Phased retirement (e.g. TTR, different ages)
~
Quick 4-Scenario Comparison
✗
Contribution Carry-Forward (5 years)
✗
Bring-Forward Rule Calculator
✗
Division 293 (tax on high contributions)
✓
Age Pension Integration
~
SMSF Suite (36+ tools)
✗
SMSF Compliance Monitoring
✗
Related Party Transaction Tracking
✗
Asset Valuation Tools
✗
Privacy-First (No Data Storage)
✗
Unlimited Saved Scenarios
✗
Professional PDF Reports
~
Offline Capability (PWA)
✗
Mobile Optimized
✓
Free Calculators Available
✓
Institutional Tools ($500+/yr)
Real-Time Data Updates
~
98 Years Historical Data (1928-2025)
~
Monte Carlo (1000+ runs)
~
Dynamic Withdrawal Strategies
~
Phased retirement (e.g. TTR, different ages)
~
Quick 4-Scenario Comparison
✗
Contribution Carry-Forward (5 years)
~
Bring-Forward Rule Calculator
~
Division 293 (tax on high contributions)
~
Age Pension Integration
✓
SMSF Suite (36+ tools)
~
SMSF Compliance Monitoring
~
Related Party Transaction Tracking
✗
Asset Valuation Tools
~
Privacy-First (No Data Storage)
✗
Unlimited Saved Scenarios
~
Professional PDF Reports
✓
Offline Capability (PWA)
✗
Mobile Optimized
✓
Free Calculators Available
✗

Comparison based on each provider’s publicly documented features as at 2026. Mercer column reflects the published “More Information” disclosures for the Mercer “Model My Super” / Retirement Income Simulator (supercalcs.com.au), which powers many Australian super-fund calculators; Mercer’s own disclosures state it does not model the bring-forward or carry-forward contribution rules, uses a single constant investment return, and — while it includes the core Age Pension asset and income tests — excludes Centrelink supplements (Pension and Energy Supplement), Commonwealth Rent Assistance, and the SAPTO/LITO tax offsets, hence the partial rating for Age Pension integration. Competitor features may change and vary by fund deployment. “~” indicates partial or limited support. SuperCalc Pro is an educational tool and does not provide personal financial advice.

Frequently Asked Questions

Is my data really private?

Yes. For the free calculators, all inputs and results stay in your browser. We don’t store your numbers on our servers. Paid features use the same client-side calculation where possible; any data you choose to save is encrypted and handled according to our Privacy Policy.

How accurate are the predictions?

We use 98 years of real market data (1928–2025) and run 1000+ Monte Carlo simulations, so the probabilities reflect how strategies would have held up in past conditions. No calculator can guarantee future results, but ours gives you a realistic range of outcomes based on historical evidence.

Can I cancel anytime?

Yes. You can cancel your subscription at any time. There’s no lock-in. We also offer a 30-day money-back guarantee if you’re not satisfied.

Do I need to be good at finance?

No. The Basic and Accumulation calculators ask simple questions (age, super balance, target income). You get clear results and can try the free tier with no commitment. The Advanced and SMSF tools offer more depth if you want it, but you can start with the basics.

Dr. Dennis Jensen speaking in Australian Parliament

Independent. Precise. Proven.

After a career in the Australian Parliament and Defence Science, I built SuperCalc Pro because I was tired of seeing retirees rely on "rule of thumb" calculators. You deserve the same modelling power used by institutions.

Read the full story on the About Page →

Start Planning Your Retirement Today

Professional retirement planning for Australians. Free to start, upgrade anytime.

Try the free calculator