Retirement Calculator for Australians
Model your retirement using real Australian data – super rules, Age Pension thresholds, and market history – so you can see how long your money may last under different strategies.
This tool is for education only – it’s not financial advice. Use it to ask better questions and understand the trade-offs, then speak to a licensed adviser before making decisions.
What this retirement calculator helps you explore
This retirement calculator is designed specifically for Australian conditions. It combines superannuation rules, Age Pension settings, and realistic investment returns so you can test “what if?” scenarios such as:
- How much super you might have at retirement based on your current balance and contributions.
- How long your super could last under different drawdown strategies.
- How the Age Pension may interact with your super as your balance rises or falls.
- How changing your retirement age, contributions, or investment return assumptions shifts your outcomes.
Key inputs you can control
On the calculator you’ll be able to adjust:
- Current age and planned retirement age – when you want to stop full-time work.
- Current super balance – combined balance if you’re a couple.
- Ongoing contributions – employer SG, salary sacrifice, and after-tax contributions.
- Investment return assumptions – conservative, balanced, or growth settings.
- Retirement income target – how much you’d like to spend per year (in today’s dollars).
The calculator uses these inputs to project your future balance at retirement and estimate a sustainable retirement income, under different market conditions.
How the results are calculated
Behind the scenes, the calculator runs thousands of simulations using historical Australian and global market data. Rather than assuming a fixed return (like “7% every year”), it models real market ups and downs to show:
- Best-case outcomes – if you retire into strong markets.
- Average outcomes – what happened most of the time in history.
- Worst-case outcomes – if you retired just before major crashes.
This helps you understand sequence of returns risk – the danger that poor returns in the first few years of retirement can permanently damage your portfolio, even if the long-term average return looks fine.
Interactive Retirement Calculator
Below is a live link into the SuperCalc Pro app. Click anywhere in the box to open the interactive calculator, where you can enter your details, run scenarios, and compare different retirement ages and strategies.
Launch the live Retirement Calculator
Click here to open the full SuperCalc Pro retirement calculator. You'll be able to adjust your age, super balance, contributions, and retirement goals, and see charts and tables showing projected outcomes.
Common questions about this retirement calculator
- Is this calculator giving me personal financial advice?
- No. It’s an educational tool to help you understand how different assumptions affect your retirement outcomes. It doesn’t know your full situation or your risk tolerance.
- Does it guarantee future returns?
- No. The calculator uses historical data and assumptions. Future returns, inflation, and policy settings will differ from the past.
- Can I rely on 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.