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Retirement calculator
One place for retirement planning: Age Pension rules, sustainable income, sequence risk, Monte Carlo stress tests, and couples / phased retirement. Start free — Basic and Advanced live in the same app.
Open retirement calculator → Read how the stress test works →SMSF trustees: compliance, contributions, pensions, LRBA and reporting sit in a separate suite. Open SMSF overview →
Also useful
Quick tools
These pages answer a narrow question (asset test, taper, Division 296, and so on). Keep them for search — then continue in the retirement calculator when you want the full plan.
Age Pension
Current thresholds, taper rates and deeming rules.
Age Pension Asset Test Calculator
Check eligibility and estimate your entitlement based on assessable assets. Homeowner and non-homeowner, singles and couples.
Age PensionAge Pension Maximizer
Compare asset and income positioning using the shared Age Pension engine.
Age PensionTaper Rate Calculator
Model how the $3 per $1,000 taper reduces your pension as assets increase. Identify your taper trap threshold.
Age PensionTaper Trap Analyzer
Opens an Age Pension scenario in the retirement calculator so taper effects are modelled consistently over time.
Age PensionRetirement income and drawdown
How long super lasts and how to draw it sustainably.
Super Drawdown Calculator
Project your super balance year by year as you draw income in retirement. See when funds run out at different rates.
DrawdownSuper Drawdown Optimizer
Opens the retirement calculator to compare drawdown strategies using the main engine.
DrawdownRetirement Income Needs Calculator
Estimate how much income you need in retirement and how much super you need to generate it sustainably.
IncomeRetirement Income Projection Calculator
Project retirement income from super, Age Pension, investments and other sources before running a full stress test.
IncomeSequence of Returns Risk Simulator
Opens a 1969 stress-test scenario in the retirement calculator using the main historical engine.
Sequence RiskRolling Market Regression Backtest
Fit a log-linear trend to historical returns, backtest required catch-up CAGRs, and compare projections with what actually followed.
Expected ReturnsSuper tax
Division 293, Division 296, and contribution modelling.
Division 296 Tax Calculator New
Estimate Division 296 tax from 2026-27: 15% on earnings above $3M and 10% above $10M. Enacted law from 1 July 2026. Includes 5-year projection.
Division 296Division 293 Tax Calculator
Additional 15% on concessional contributions when income for surcharge purposes exceeds $250,000. Includes payment options and multi-year projection.
Division 293SMSF quick tools
Narrow SMSF questions — full suite is on the SMSF overview.
Transfer Balance Cap Calculator
Calculate how much you can transfer from accumulation to pension phase and track your personal transfer balance cap.
SMSFTransfer Balance Cap Tracker
Opens the SMSF Suite for member-level transfer balance tracking using the main rules engine.
SMSFConcessional Cap Optimizer
Opens the Accumulation Calculator where salary, SG, salary sacrifice, concessional caps and extra contributions are visible inputs.
SMSFStrategy scenarios
Specific planning cases that open in the retirement calculator.
Retire at 60 Analysis
Model the gap between preservation age (60) and Age Pension age (67) and what you need to bridge it.
StrategyDownsizer Contribution Planner
Opens the retirement calculator for downsizer-style modelling with super, assets and Age Pension handled consistently.
StrategyPhased Retirement for Couples
Model different retirement ages, ongoing wages, SG contributions, and Age Pension timing in the retirement calculator.
StrategyBarefoot Super Strategy
Opens the retirement calculator so any strategy test uses the same historical and Monte Carlo engine.
StrategyFee Impact Calculator
Opens retirement calculator fee modelling so fees affect the same projection engine as the main app.
Strategy