See how long your super lasts and what your retirement income looks like — with the Age Pension layered in year by year, so the pension picks up more as your balance falls. Plan in the holidays and big-ticket spending you want along the way.
Your living expenses are what you spend each year (today's dollars; a super pension is tax-free once you're 60). Each year we draw from super to fund them after the Age Pension, so you can see how long your money actually lasts. For couples, enter your COMBINED super, assets and living expenses (but each partner's work income separately). Any work or other income is taxed at senior rates, reduces how much you draw from super, and is counted in the Age Pension income test (work gets the Work Bonus) — set "Work income until" for when it stops, or leave it blank. The home you live in doesn't count for the Age Pension.
Add the big things you want your money to do — a trip every year, an overseas holiday every few years, a new car, a home reno. We layer them on top of your living expenses and draw them from super, so you can see what they cost your longevity. Amounts are in today's dollars. How often: "One-off" just needs the start date. For a repeat, pick how often and an "Until" date (or leave it blank to keep going).
Only needed if you'd like us to email or save your results.
This is a starting point — a real retirement plan accounts for tax, your investment mix, aged care, longevity and the things that matter to you. Let's build yours.
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