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Retirement Calculators

Plan your retirement with confidence — model when you can retire, how much income you'll have, and how to maximise your exit strategy.

All Retirement Calculators

When Can I Retire?

Enter your super balance, contributions, and target income to find your retirement date using the 4% drawdown rule.

Retirement Income Gap

Calculate the gap between your projected retirement income and what you need, including Age Pension estimates.

Business Owner Retirement

Model your retirement after selling a business — including small business CGT concessions and the $500K retirement exemption.

Before & After Advice

The flagship multi-step tool. Model the financial impact of acting on 8 key advice levers versus doing nothing.

Related Tools

Salary Sacrifice

See how extra pre-tax super contributions reduce your tax and build your balance faster.

Extra Super Contributions

Compare after-tax super contributions vs keeping money outside super.

Mortgage vs Super

Model whether extra mortgage repayments or boosting super delivers a better long-term outcome.

Super Balance Projector

Project your superannuation balance at retirement with compound growth modelling.

FIRE Calculator

Calculate your Financial Independence number and how long until you can retire early.

Financial Health Check

Score your overall financial health across 10 categories and get a personalised priority list.

Retirement Planning in Australia

Retirement planning in Australia sits at the intersection of superannuation, tax, the Age Pension, and personal investment. Getting it right means understanding how each of these pieces interact — and most Australians are surprised by how much difference a few smart decisions can make.

The 4% Drawdown Rule

A widely-used guideline is the 4% rule: you can sustainably withdraw 4% of your portfolio each year in retirement without running out of money over a 30-year period. This means to generate $80,000 per year, you'd need a retirement portfolio of $2,000,000. Our retirement calculators use this framework to estimate when your super and savings can support your target income.

The Age Pension

The Australian Age Pension provides a safety net for retirees — currently around $29,000 per year for singles and $43,700 for couples (as at 2025–26). Eligibility requires being age 67 or older, and the pension is subject to both income and assets tests. Many Australians qualify for at least a part-pension, which significantly supplements a modest super balance. Our retirement income gap calculator includes Age Pension estimates based on your projected assets.

Superannuation Preservation Age

You can access your super when you reach your preservation age (currently 60 for most Australians), and you've either retired or started a Transition to Retirement strategy. Withdrawals from super after age 60 are generally tax-free. This makes super one of the most tax-effective retirement vehicles available.

Small Business CGT Concessions

If you're a business owner, you have access to powerful CGT concessions when you sell. The 15-year active asset exemption, the 50% active asset reduction, and the $500,000 retirement exemption can dramatically reduce — or eliminate — CGT on a business sale. Our Business Owner Retirement calculator models these concessions so you can see the real after-tax proceeds.

Disclaimer: These calculators provide general estimates only. Retirement projections involve assumptions about investment returns, inflation, and longevity that may not reflect your actual experience. Superannuation and tax rules are complex. This is not financial advice — please consult a licensed financial adviser for personalised retirement planning.