Advanced Retirement Calculator for Australians

Stress-test your retirement plan using Monte Carlo simulations and 98 years of historical market data (1928–2025) to understand best, average, and worst-case outcomes.

This tool is for education only – it’s not financial advice. Use it to explore sequence of returns risk and safe withdrawal strategies, then speak to a licensed adviser before making decisions.

Open the Advanced Retirement Calculator

Important: This calculator and page are for educational and informational purposes only. They do not provide financial product advice, personal financial advice, or a recommendation. SuperCalc Pro is not licensed to provide financial advice under Australian law (we do not hold an Australian Financial Services Licence). Past performance does not guarantee future results. Always consider your own objectives, financial situation, and needs, and consult a licensed financial adviser (AFSL holder) before making financial decisions.

What this advanced retirement calculator helps you explore

This calculator is built for deeper retirement planning questions. It combines your super, investments, and Age Pension estimates with detailed simulations so you can explore:

How long your money might last under different withdrawal strategies.
How sequence of returns risk affects outcomes if you retire into bad markets.
What “safe enough” income might look like across thousands of simulated scenarios.
How different asset allocations change the range of likely outcomes.

Historical Monte Carlo simulations Sequence of returns risk analysis Withdrawal strategy comparisons Retirement income sustainability

Key inputs you can control

On the advanced calculator you’ll be able to adjust:

Current age, partner age, and retirement ages – including phased retirement options.
Super balances and contributions – for you and a partner, including salary and SG.
Other assets and income – outside super, plus homeownership status.
Portfolio asset allocation – Australian shares, international shares, bonds, cash, etc.
Withdrawal strategy – fixed, guardrails, dynamic, or other methods.

The calculator uses these inputs to simulate thousands of potential futures, giving you a range of outcomes rather than a single number.

How Monte Carlo and historical testing work here

The advanced calculator uses both Monte Carlo-style simulations and rolling historical periods:

Historical backtesting – runs your plan through every retirement start year since 1928.
Monte Carlo simulations – generates many possible future paths based on historical statistics.
Probability of success – shows how often your money lasted the full retirement period.
Worst, median, and best-case income – to help you understand the range of outcomes.

This is still a model, not a crystal ball. It helps you see the shape of risk, not guarantee a particular result.

Interactive Advanced Retirement Calculator

Below is a live link into the SuperCalc Pro app. Click anywhere in the box to open the advanced calculator mode, where you can run Monte Carlo and historical tests on your own assumptions.

Launch the Advanced Retirement Calculator

Click here to open the SuperCalc Pro app. You’ll be able to configure detailed inputs and run probability analyses on your retirement plan, including sequence risk testing.

Common questions about this advanced calculator

Is this giving me personal financial advice?: No. It’s an educational tool to help you understand how different assumptions and strategies might behave under uncertainty. It doesn’t know your full situation or your risk tolerance.
Does a high “success rate” guarantee I’ll be fine?: No. Even a 95% success rate means 1 in 20 simulated paths failed. The results depend on assumptions and historical data that may not match future conditions.
Can I use this instead of speaking to an adviser?: No. You should use this to prepare for a conversation with a licensed financial adviser, not as a substitute for that advice.