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Will Your Retirement Survive The Next Crash? Know in 60 Seconds

Dr. Dennis Jensen PhD, founder of SuperCalc Pro
Engineered by Dr. Dennis Jensen (PhD, Former Federal MP)
CSIRO & DSTO Scientist. Built to model 98 years of Australian market volatility and compliance rules.

Test it with 98 years of real market data (1928–2025) in 60 seconds. Your numbers stay in your browser. Start free — stress-test with Monte Carlo and historical crashes when you're ready.

Run My 60-Second Stress-Test →
✅ Includes Age Pension Taper Trap modelling ✅ Calculates Division 293 tax impact ✅ Optimised for SMSF and LRBA structures
1928-2025 Real Market Data
100% Private Calculations stay in-browser
Monte Carlo 1,000+ Simulations
Export PDF Reports

98 Years

Based on real market data (1928–2025)

36+ Tools

SMSF suite included

$2.0M

Transfer Balance Cap (current)

100%

Private: runs in your browser

SMSF trustees & advisers: 36 tools for compliance, contributions, pensions, LRBA and reporting—all in one suite. No spreadsheets. Open SMSF Suite →

What You'll See

Your result — in under 2 minutes

This is what the Advanced Calculator actually produces — same layout, same panels, illustrative numbers only.

Actual calculator output — illustrative inputs only Not your numbers
SuperCalc Pro Advanced Calculator output showing real super balance over time, income by source, and Monte Carlo analysis

This is what your result looks like. Every number comes from your actual inputs.

Run My Stress-Test

2 free Advanced runs · No signup · Numbers stay in your browser

How It Works

Get your retirement survival odds in three simple steps

1

Enter your super balance and target income

Age, super balance, target retirement income, and a few basics. Takes about 2 minutes.

2

See your survival odds

Real probability based on 98 years of market data. Tested against 1929, stagflation, 1987, dotcom, 2008, and Covid crashes.

3

Test what-if scenarios

Retire earlier? Work part-time? Change withdrawal strategy? See instant results.

Simple, Transparent Pricing

Start free with essential tools. Upgrade to SMSF Pro for SMSF management (36+ tools) at 95% discount vs. BGL/Class. Advanced retirement planning included.

Try Free

$0

Start here, no signup

  • Basic Retirement Snapshot
  • Accumulation Calculator
  • Age Pension estimate
  • 2 free Advanced runs
  • See if you need to go deeper
Run My 60-Second Stress-Test
★ MOST POPULAR

Pro

Monthly Annual
$14.99

per month

  • Everything in Free, plus:
  • Couples Phased Retirement UNIQUE
  • Advanced Monte Carlo Calculator
  • 98 Years Historical Data (1928-2025)
  • Dynamic Withdrawal Strategies
  • Sequence Risk Analysis
  • Advanced Tax Optimization
  • Priority Support

Cancel anytime • 30-day money back

Try 2 free Advanced runs first →

SMSF Pro

Monthly Annual
$39.99

per month

  • Everything in Pro, plus:
  • SMSF Suite (36 tools)
  • Real-time Compliance Monitoring
  • ATO Reporting Examples
  • Asset Valuation Tools
  • LRBA & Related Party Tracking
  • Dedicated SMSF Support

Cancel anytime • 30-day money back

Educational use only. Not financial advice. See footer for full disclaimer.

Advanced Features

Professional-grade tools built for accuracy and comprehensive retirement planning. Advanced Calculator included in Pro. SMSF Pro includes everything in Pro, plus the full SMSF suite.

UNIQUE

Couples Phased Retirement

Most couples retire at different times. We haven't found another calculator that models this as a couple unit. SuperCalc Pro tracks both partners separately — income, super, Age Pension eligibility — and optimises household income across all five retirement phases.

See how it works →
LIVE

Historical Monte Carlo

1000+ simulations using 98 years of real market data (1928–2025). Actual Australian and international returns—not simplified averages.

In plain English: we run 1,000 "What-If" scenarios based on every Australian market crash since 1928 to see if your money lasts.

LIVE

Sustainable Income Strategies

Compare different ways to draw down your super safely (including Vanguard Guardrails, Dynamic SWR, Floor & Ceiling) so you pick an approach that fits.

LIVE

Contribution Optimizer

Maximize super with carry-forward caps (5 years), salary sacrifice, bring-forward rules, and reduce tax on high contributions (Division 293 calculator).

How We Stack Up

Compare SuperCalc Pro with basic free calculators and premium alternatives.

Feature Comparison

SuperCalc Pro vs. Competitors

SuperCalc Pro
Real-Time Data Updates
✓
98 Years Historical Data (1928-2025)
✓
Monte Carlo (1000+ runs)
✓
Dynamic Withdrawal Strategies
✓
Phased retirement (e.g. TTR, different ages)
✓
Quick 4-Scenario Comparison
✓
Contribution Carry-Forward (5 years)
✓
Bring-Forward Rule Calculator
✓
Division 293 (tax on high contributions)
✓
Age Pension Integration
✓
SMSF Suite (36+ tools)
✓
SMSF Compliance Monitoring
✓
Related Party Transaction Tracking
✓
Asset Valuation Tools
✓
Privacy-First (No Data Storage)
✓
Unlimited Saved Scenarios
✓
Professional PDF Reports
✓
Offline Capability (PWA)
✓
Mobile Optimized
✓
Free Tier Available
✓
Free Calculators
Real-Time Data Updates
✗
98 Years Historical Data (1928-2025)
✗
Monte Carlo (1000+ runs)
✗
Dynamic Withdrawal Strategies
✗
Phased retirement (e.g. TTR, different ages)
✗
Quick 4-Scenario Comparison
✗
Contribution Carry-Forward (5 years)
✗
Bring-Forward Rule Calculator
✗
Division 293 (tax on high contributions)
✗
Age Pension Integration
~
SMSF Suite (36+ tools)
✗
SMSF Compliance Monitoring
✗
Related Party Transaction Tracking
✗
Asset Valuation Tools
✗
Privacy-First (No Data Storage)
~
Unlimited Saved Scenarios
✗
Professional PDF Reports
✗
Offline Capability (PWA)
✗
Mobile Optimized
~
Free Tier Available
✓
Premium Tools ($500+/yr)
Real-Time Data Updates
~
98 Years Historical Data (1928-2025)
~
Monte Carlo (1000+ runs)
~
Dynamic Withdrawal Strategies
~
Phased retirement (e.g. TTR, different ages)
~
Quick 4-Scenario Comparison
✗
Contribution Carry-Forward (5 years)
~
Bring-Forward Rule Calculator
~
Division 293 (tax on high contributions)
~
Age Pension Integration
✓
SMSF Suite (36+ tools)
~
SMSF Compliance Monitoring
~
Related Party Transaction Tracking
✗
Asset Valuation Tools
~
Privacy-First (No Data Storage)
✗
Unlimited Saved Scenarios
~
Professional PDF Reports
✓
Offline Capability (PWA)
✗
Mobile Optimized
✓
Free Tier Available
✗

Frequently Asked Questions

Is my data really private?

Yes. For the free calculators, all inputs and results stay in your browser. We don’t store your numbers on our servers. Paid features use the same client-side calculation where possible; any data you choose to save is encrypted and handled according to our Privacy Policy.

How accurate are the predictions?

We use 98 years of real market data (1928–2025) and run 1000+ Monte Carlo simulations, so the probabilities reflect how strategies would have held up in past conditions. No calculator can guarantee future results, but ours gives you a realistic range of outcomes based on historical evidence.

Can I cancel anytime?

Yes. You can cancel your subscription at any time. There’s no lock-in. We also offer a 30-day money-back guarantee if you’re not satisfied.

Do I need to be good at finance?

No. The Basic and Accumulation calculators ask simple questions (age, super balance, target income). You get clear results and can try the free tier with no commitment. The Advanced and SMSF tools offer more depth if you want it, but you can start with the basics.

Dr. Dennis Jensen speaking in Australian Parliament

Independent. Precise. Proven.

After a career in the Australian Parliament and Defence Science, I built SuperCalc Pro because I was tired of seeing retirees rely on "rule of thumb" calculators. You deserve the same modelling power used by institutions.

Read the full story on the About Page →

Start Planning Your Retirement Today

Professional retirement planning for Australians. Free to start, upgrade anytime.

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