About This Tool

This is a retirement modelling tool for Australians approaching retirement. It helps you understand the financial impact of decisions like reducing your work hours, drawing on a Transition to Retirement income stream, or optimising your super contributions.

What this tool does

• Models how long your super and savings will last in retirement
• Compares your income on fewer days vs full-time with a TTR income stream
• Shows how much concessional contribution cap you have remaining
• Estimates your Age Pension entitlement based on the assets and income tests

What this tool does not do

• It does not provide personal financial advice
• It does not recommend any specific course of action
• It does not name or endorse any specific super fund or product

Your data

Your financial details are stored only on your device (in your browser's local storage). They are never sent to our servers. We only collect anonymised demographic brackets (e.g. age range, salary range) to understand our users and improve the product.

Calculations

All calculations use 2025–26 Australian financial year rates and thresholds including ATO marginal tax rates, Medicare levy, Low Income Tax Offset (LITO), superannuation guarantee rates, Age Pension assets and income tests, and deeming rates.