Retirement planner

Bring your super balance, retirement age and income target together in one retirement plan. This calculator helps you estimate how long your savings may last and where an Age Pension top-up may fit in.

What this native cut captures

Pre-retirement super growth using the same native accumulation engine already used in the Open Loans super calculator
Retirement drawdown planning using the native account-based pension projection layer
A clearly scoped Age Pension estimate based on assets, household type and homeownership status

Plan inputs

Set the accumulation assumptions to retirement, then compare two retirement-income strategies using the same projected super balance at retirement.

Household

Homeownership status in retirement

Current age

Retirement age

Plan until age

Annual income before tax

Current super balance

Employer contribution rate (% p.a.)

Extra before-tax contribution ($ p.a.)

Extra after-tax contribution ($ p.a.)

Pre-retirement return (% p.a.)

Inflation / lifestyle growth (% p.a.)

Pre-retirement percentage fees (% p.a.)

Pre-retirement admin fees (annual)

Pre-retirement insurance cost (annual)

Pre-retirement adviser fee (annual)

Other assessable retirement assets at retirement

Baseline retirement strategy

Your preferred annual income target and pension-phase assumptions.

Target retirement income in year one

Pension-phase return (% p.a.)

Pension-phase percentage fees (% p.a.)

Pension admin fee (annual)

Pension adviser fee (annual)

Comparison retirement strategy

A tougher or more optimistic alternative using the same balance at retirement.

Comparison target retirement income in year one

Comparison pension return (% p.a.)

Comparison pension percentage fees (% p.a.)

Comparison pension admin fee (annual)

Comparison pension adviser fee (annual)

Superannuation calculator Account-based pension calculator

First native cut: the Age Pension estimate in this page uses the asset test only. Income test, deeming, rent assistance and more specialised pension cases are intentionally deferred.

Results

The planner below keeps super accumulation, drawdown and the government-support assumption visible instead of hiding them inside an external widget.

Projected super at retirement $1,603,703

Buying power in today's dollars $931,534

Baseline combined income in first retirement year $80,185

Baseline estimated Age Pension at Age Pension age $0

Starting at age 45 with $180,000 in super, this plan reaches retirement at age 67 with $1,603,703. The baseline retirement strategy then runs to age 92 with a target income of $65,000 in year one.

Retirement strategy comparison

Same retirement balance, different spending and pension settings

Line item	Baseline	Comparison
Target retirement income (year one)	$65,000	$75,000
Pension return	5.5%	4.8%
Pension percentage fees	0.8%	1.05%
Estimated Age Pension in first eligible year	$0	$0
Total estimated Age Pension paid	$0	$120,685
Average annual combined income	$94,226	$104,976
First-year income gap	-$15,185	-$5,185
Ending super balance	$815,580	$0
Balance-runout age	Balance still positive	92

Final six baseline retirement years

Super pension plus Age Pension estimate

Year	Age	Super pension income	Age Pension estimate	Income gap	Ending super balance
20	87	$108,249	$0	-$4,337	$1,148,310
21	88	$106,510	$0	$0	$1,093,071
22	89	$109,173	$0	$0	$1,032,506
23	90	$111,902	$0	$0	$966,295
24	91	$114,700	$0	$0	$894,104
25	92	$117,567	$0	$0	$815,580

What to watch

The same retirement-income runway can support later-life refinance, reverse-mortgage and equity-release advice surfaces.
Accumulation plus drawdown in one planner gives a reusable life-stage bridge between working-years cashflow and retirement-years resilience.
The Age Pension overlay makes support assumptions explicit so downstream tools can show what is government support versus self-funded retirement income.