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Monte Carlo simulation with 97 years of historical data."> <meta name="keywords" content="retirement income calculator, retirement projection, income forecast, age pension calculator, super calculator australia"> <link rel="canonical" href="https://supercalcpro.com.au/calculators/retirement-income-projection-calculator.html"> <script async src="https://www.googletagmanager.com/gtag/js?id=G-CZM4X34F9R"></script> <script>window.dataLayer=window.dataLayer||[];function gtag(){dataLayer.push(arguments);}gtag('js',new Date());gtag('config','G-CZM4X34F9R');</script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"SoftwareApplication","name":"Retirement Income Projection Calculator","applicationCategory":"FinanceApplication","operatingSystem":"Web Browser","description":"Project your complete retirement income from all sources. Includes superannuation drawdown, Age Pension means testing, investment income, and other sources. Historical backtesting and Monte Carlo simulation.","offers":{"@type":"Offer","price":"0","priceCurrency":"AUD"},"featureList":["Comprehensive income projection","Age Pension integration","Monte Carlo simulation (1000+ scenarios)","Historical backtesting (1928-2025)","Multiple income sources"],"author":{"@type":"Organization","name":"SuperCalc Pro","url":"https://supercalcpro.com.au"},"inLanguage":"en-AU","isAccessibleForFree":true} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://supercalcpro.com.au/"},{"@type":"ListItem","position":2,"name":"Calculators","item":"https://supercalcpro.com.au/calculators/"},{"@type":"ListItem","position":3,"name":"Retirement Income Projection","item":"https://supercalcpro.com.au/calculators/retirement-income-projection-calculator.html"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"How accurate are retirement income projections?","acceptedAnswer":{"@type":"Answer","text":"No projection is perfectly accurate because future returns are unknown. However, using historical backtesting (97 years of real data) and Monte Carlo simulation (1000+ scenarios) provides a realistic range of outcomes. The calculator shows best case, worst case, and most likely scenarios."}},{"@type":"Question","name":"What's the difference between Monte Carlo and historical backtesting?","acceptedAnswer":{"@type":"Answer","text":"Historical backtesting uses actual market returns from 1928-2025. Monte Carlo uses random returns based on historical statistics. Historical shows 'what happened', Monte Carlo shows 'what could happen'. Both are valuable for understanding retirement income risk."}},{"@type":"Question","name":"How does Age Pension affect my retirement income?","acceptedAnswer":{"@type":"Answer","text":"Age Pension provides a safety net that increases as your assets decline. The means tests (asset and income) reduce your pension as your wealth increases. 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Calculator</h1><p>Project your complete retirement income from super, Age Pension, investments, and other sources using 97 years of real data.</p></div></div> <div class="container"> <div class="grid"> <div class="content-section"> <h2>Comprehensive Income Projection</h2> <p>Retirement income comes from multiple sources. This calculator integrates everything: super drawdowns, Age Pension means testing, investment income, annuities, and other sources.</p> <h2>Income Sources Included</h2> <ul> <li><strong>Superannuation:</strong> Account-based pensions with flexible withdrawals</li> <li><strong>Age Pension:</strong> Means-tested with asset and income tests</li> <li><strong>Investment income:</strong> Dividends, rental income, interest</li> <li><strong>Annuities:</strong> Guaranteed income streams</li> <li><strong>Defined benefit pensions:</strong> Government or employer pensions</li> <li><strong>Part-time work:</strong> Phased retirement income</li> </ul> <h2>How Age Pension Interacts</h2> <p>Age Pension is means-tested. As your assets decline through retirement, your pension eligibility increases. This creates a safety net; you can't run out of income because Age Pension fills the gap.</p> <p>The calculator models this interaction accurately, showing how total income changes as super decreases and Age Pension increases.</p> <h2>Monte Carlo vs Historical</h2> <p>The calculator offers two approaches:</p> <p><strong>Historical backtesting:</strong> Uses actual market returns from 1928-2025. Shows what would have happened if you retired in any specific year, including market crashes and booms.</p> <p><strong>Monte Carlo simulation:</strong> Runs 1000+ scenarios with random returns based on historical statistics. Shows probability distribution of outcomes.</p> <p>Both methods are valuable. Historical shows real events, Monte Carlo shows the range of possibilities.</p> <h2>Uncertainty and Risk</h2> <p>No projection is certain. Future returns, inflation, life expectancy, and government policy all affect outcomes. This calculator shows a range: best case, worst case, and most likely scenarios.</p> <p>The goal isn't perfect accuracy; it's understanding risk and making informed decisions.</p> </div> <div class="calculator-embed"> <h3 style="margin-bottom:1.5rem;color:#0891b2">Project Your Retirement Income</h3> <div class="calc-input-group"> <label for="superBalance">Current Super Balance ($)</label> <input type="number" id="superBalance" class="calc-input" placeholder="e.g. 600000" value="600000"> </div> <div class="calc-input-group"> <label for="age">Your Age</label> <input type="number" id="age" class="calc-input" placeholder="e.g. 65" value="65" min="55" max="75"> </div> <div class="calc-input-group"> <label for="targetIncome">Target Annual Income ($)</label> <input type="number" id="targetIncome" class="calc-input" placeholder="e.g. 50000" value="50000"> <p class="calc-note">Desired income (will be adjusted for inflation)</p> </div> <div class="calc-input-group"> <label for="returnRate">Expected Return (%)</label> <input type="number" id="returnRate" class="calc-input" placeholder="e.g. 5.5" value="5.5" step="0.1"> <p class="calc-note">Expected annual return on investments</p> </div> <div class="calc-input-group"> <label for="inflationRate">Inflation Rate (%)</label> <input type="number" id="inflationRate" class="calc-input" placeholder="e.g. 2.5" value="2.5" step="0.1"> <p class="calc-note">Expected annual inflation</p> </div> <button class="calc-btn" onclick="redirectToMainCalculator()" id="calcBtn">Calculate Sustainability</button> <div id="results" class="calc-results" style="display:none"> <div class="calc-result-item"> <div class="calc-result-label">Maximum Sustainable Income</div> <div class="calc-result-value" id="maxIncome">-</div> <div class="calc-note">Annual income that lasts entire retirement</div> </div> <div class="calc-result-item"> <div class="calc-result-label">With Your Target Income ($<span id="targetIncomeDisplay">50,000</span>)</div> <div class="calc-result-value" id="sustainability">-</div> <div class="calc-note" id="sustainabilityNote">-</div> </div> <div class="calc-result-item"> <div class="calc-result-label">Years Until Depletion</div> <div class="calc-result-value" id="yearsToDepletion">-</div> <div class="calc-note">Based on target income</div> </div> </div> <p style="margin-top:1.5rem;text-align:center;font-size:0.9rem;color:#6b7280">Want Monte Carlo analysis? <a href="/app.html#advanced" style="color:#0891b2;font-weight:600">Try the full calculator</a></p> </div> </div> <div class="cta-box"><h3>Project Your Retirement Income</h3><p>Model your complete income from all sources across 30+ years with Monte Carlo simulation and Age Pension integration.</p><a href="/app.html" class="btn-primary"><i class="fas fa-chart-line"></i> Launch Full App</a></div> <script> // Redirect to main calculator with pre-filled inputs function redirectToMainCalculator() { // Get inputs const superBalance = parseFloat(document.getElementById('superBalance').value) || 0; const age = parseInt(document.getElementById('age').value) || 65; const targetIncome = parseFloat(document.getElementById('targetIncome').value) || 50000; const returnRate = parseFloat(document.getElementById('returnRate').value) || 7.5; const inflationRate = parseFloat(document.getElementById('inflationRate').value) || 2.5; // Save to localStorage so main calculator can pre-fill localStorage.setItem('calc_super', superBalance); localStorage.setItem('calc_age', age); localStorage.setItem('calc_income', targetIncome); localStorage.setItem('calc_return', returnRate); localStorage.setItem('calc_inflation', inflationRate); localStorage.setItem('calc_years', 90 - age); // Redirect to Basic Calculator (query params BEFORE hash) window.location.href = '/app.html?from=landing#basic'; } </script> <div class="related-articles"><h3>Related Articles</h3><div class="article-grid"><a href="/blog/how-much-super-to-retire-australia-2025.html" class="article-card"><h4>How Much Super to Retire</h4><p>Calculate your retirement super needs with Age Pension and lifestyle standards.</p></a><a href="/blog/super-fund-projection-wrong-2025.html" class="article-card"><h4>Why Super Fund Projections Are Wrong</h4><p>Industry fund projections use overly optimistic assumptions. Here's how to fix them.</p></a><a href="/blog/monte-carlo-vs-reality-2025.html" class="article-card"><h4>Monte Carlo vs Reality</h4><p>Random returns vs historical data: which is better for retirement planning?</p></a></div></div> <div class="faq-section"><h3>Frequently Asked Questions</h3><div class="faq-item"><div class="faq-question">How accurate are retirement income projections?</div><div class="faq-answer">No projection is perfectly accurate because future returns are unknown. However, using historical backtesting (97 years of real data) and Monte Carlo simulation (1000+ scenarios) provides a realistic range of outcomes. The calculator shows best case, worst case, and most likely scenarios.</div></div><div class="faq-item"><div class="faq-question">What's the difference between Monte Carlo and historical backtesting?</div><div class="faq-answer">Historical backtesting uses actual market returns from 1928-2025. Monte Carlo uses random returns based on historical statistics. Historical shows 'what happened', Monte Carlo shows 'what could happen'. Both are valuable for understanding retirement income risk.</div></div><div class="faq-item"><div class="faq-question">How does Age Pension affect my retirement income?</div><div class="faq-answer">Age Pension provides a safety net that increases as your assets decline. The means tests (asset and income) reduce your pension as your wealth increases. This creates a complex interaction; spending down super can increase your total income by boosting Age Pension eligibility.</div></div><div class="faq-item"><div class="faq-question">What income sources should I include in my projection?</div><div class="faq-answer">Include all sources: superannuation withdrawals, Age Pension, investment income (dividends, rent), annuities, part-time work, defined benefit pensions, and any other regular income. The calculator integrates Age Pension means testing automatically.</div></div></div> <div class="disclaimer"><p><strong>Disclaimer:</strong> This calculator is for informational purposes only and does NOT constitute financial advice. SuperCalc Pro Pty Ltd does not hold an Australian Financial Services License (AFSL). Always consult a licensed financial adviser for advice specific to your circumstances.</p></div> </div> <footer class="footer"><p><strong>SuperCalc Pro</strong> “Çö Professional Australian Retirement Planning Tools</p><p style="margin-top:0.5rem;opacity:0.8">ABN: 31 692 042 872 | ACN: 692 042 872</p></footer> </body> </html>