Don't Just Project Retirement. Stress-Test It.
Australian retirement calculator — market crashes, Age Pension rules & Monte Carlo survival odds
100% private in your browser · 2 free Advanced runs · No App Store download
Australian retirement calculator — market crashes, Age Pension rules & Monte Carlo survival odds
100% private in your browser · 2 free Advanced runs · No App Store download
Based on real market data (1928–2025)
SMSF suite in All Access
Transfer Balance Cap (current)
Private: runs in your browser
Featured in Super Review: early-retirement modelling showed a couple retiring at 60 needed $955,000 in poor historical markets. Read the coverage
Wealth Collective referenced SuperCalc Pro's Monte Carlo and historical stress-testing explainer in its 2026 guide. See the guide
What You'll See
This is what the Advanced Calculator actually produces — same layout, same panels, illustrative numbers only.
2 free Advanced runs · No signup · Numbers stay in your browser
Get your retirement survival odds in three simple steps
Age, super balance, target retirement income, and a few basics. Takes about 2 minutes.
Real probability based on 98 years of market data. Tested against 1929, stagflation, 1987, dotcom, 2008, and Covid crashes.
Retire earlier? Work part-time? Change withdrawal strategy? See instant results.
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.”
“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.”
“This simulator is very informative and intuitive.”
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.
No app store required: SuperCalc Pro runs safely and privately in your desktop or mobile browser. No download or registration required to start free calculators and editable examples.
Media coverage: Super Review covered SuperCalc Pro's ASFA early-retirement modelling, including the finding that a couple retiring at 60 needed $955,000 in poor historical markets. Read the article
Start here, no signup
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Educational use only. Not financial advice. See footer for full disclaimer.
Professional-grade tools built for accuracy and comprehensive retirement planning. Advanced Retirement unlocks the full retirement engine. All Access adds the complete SMSF suite.
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.
Phased retirement calculator for couples → Open retirement calculator →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.
Monte Carlo retirement calculator → Open retirement calculator →Compare different ways to draw down your super safely (including Vanguard Guardrails, Dynamic SWR, Floor & Ceiling) so you pick an approach that fits.
Maximize super with carry-forward caps (5 years), salary sacrifice, bring-forward rules, and reduce tax on high contributions (Division 293 calculator).
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.
SuperCalc Pro vs. Competitors
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.
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 →Professional retirement planning for Australians. Free to start, upgrade anytime.
