Disclaimer:

This retirement calculator is designed to provide you with illustrative examples of potential financial scenarios based on the information you input and the stated functionality. The results are estimates only and are not guarantees of your actual retirement income, superannuation balance, or how long your money will last. Before making any financial decisions, we recommend you consider your own objectives and consult a licensed financial adviser to develop a plan tailored to your specific circumstances.

📈 Pre Retirement:

🔸 Mortgage repayments, living expenses and cash contributions are deducted from after tax income.

🔸 Extra expenses are taken from remaining after tax income, and then from accessible cash savings.

📉 Post Retirement:

🔸 Cash contributions cease.

🔸 Mortgage repayments, living expenses and extra expenses are deducted (evenly) from unpreserved cash first, then from accessible super if needed.

🔸 Superannuation will be rolled from Accumulation phase to Pension (income stream) phase once super is accessible.

🔸 Minimum drawdown amounts are transferred into cash accounts at the beginning of each year.

🔸 Living Expenses don't reduce as time passes, which may cover any extra care expenses as you age.

👉 Tips:

🔸 Typically when inflation increases, so too do investment and saving returns.