Free withdrawal calculator for Australian retirees. Check ATO minimum pension drawdowns by age, project years to depletion on a smooth return path, then open Advanced to compare Fixed, Guardrails, Dynamic SWR and Floor-Ceiling against 98 years of markets.
What this page covers: ATO minimum drawdown floors and a simple sustainability estimate. Full strategy comparison and historical crash years live in the Advanced Retirement Calculator. See also mandatory super drawdowns by age.
Looking for a super drawdown calculator Australia can use without a login? Enter balance, age and planned withdrawal to see the ATO minimum percentage for your age band, whether your plan meets it, and how many years a constant real withdrawal lasts under a smooth return assumption.
How you withdraw from super in retirement matters as much as how much you saved. Different strategies balance competing goals: stable income, preserving capital, and managing market risk.
Withdraw a constant amount adjusted for inflation each year. Provides predictable income but can deplete your portfolio if returns are poor. This is what most retirees instinctively do.
Set upper and lower income bounds (guardrails). If your portfolio performs well, you increase withdrawals up to the upper bound. If it performs poorly, you reduce withdrawals to the lower bound. Balances stability with flexibility.
Adjust your withdrawal rate each year based on portfolio value and remaining life expectancy. You always withdraw a percentage of your current balance. Income varies more, but your portfolio is nearly guaranteed to last.
Define a minimum income floor (typically Age Pension plus essentials) and a maximum ceiling. Withdraw within this range based on portfolio performance. Ensures you never fall below essentials.
The order of returns matters enormously in retirement. Poor returns early while withdrawing can permanently damage your portfolio, even if markets recover. Dynamic strategies help manage this by reducing withdrawals during down markets.
This calculator uses 98 years of real Australian and international market data (1928-2025). You can test how each strategy would have performed if you retired in any historical year, including the Great Depression, 1970s stagflation, 2008 GFC, and 2020 pandemic.
Compare Fixed, Guardrails, Dynamic SWR and Floor-Ceiling with Age Pension and historical markets. Run free first.
Open retirement calculator →Disclaimer: 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.