A free Australian retirement & super planner

• Superannuation — employer Super Guarantee plus voluntary contributions, contribution caps and super fees.
• The Age Pension — both the income and assets tests, at current rates, updated as your assets draw down.
• Retirement drawdown — your spending goal (or a detailed budget), including a home loan carried into retirement.
• Early retirement — the “bridge” from retiring before super unlocks at 60, through to the Age Pension at 67.
• Your situation — singles or couples, homeowners or renters, savings outside super, and an investment property.
• Uncertainty — thousands of Monte Carlo simulations to estimate how likely your money is to last, not just a single line.

Everything is modelled year by year using current Australian rules for super, tax, contribution caps and the means-tested Age Pension. Results are shown in today's dollars so the figures are meaningful now, using default long-term economic assumptions consistent with ASIC's Regulatory Guide 276 for retirement estimates, and they account for super fees. Because real returns vary, the planner also runs thousands of simulations to estimate the probability your money lasts to your planning age. All results are estimates, not a guarantee of future outcomes.

Rates and thresholds come from official Australian sources — Age Pension rates and means tests (Services Australia), contribution caps and tax (ATO), and lifestyle spending benchmarks from the ASFA Retirement Standard. Economic assumptions (returns, inflation, wage growth) follow ASIC's defaults for retirement calculators. These figures are reviewed and updated as the underlying rules change.

RetireWiz is a superannuation forecast tool provided under ASIC Corporations (Superannuation Calculators and Retirement Estimates) Instrument 2022/603 and prepared in line with ASIC Regulatory Guide 276. It provides general information only and is not personal financial product advice — it does not consider your objectives, financial situation or needs, and does not promote any financial product. Before making a financial decision, consider obtaining advice from a licensed Australian Financial Services (AFS) adviser.