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In development — not available to buy yet
Will our money last? Our free calculators answer half of that question. This is the other half: both partners' super, the Age Pension you will actually receive, and the spending you genuinely want — in one written answer you can read in ten minutes and take to your accountant.
We have not built this yet. There is no checkout on this page and nothing to pay for. We are deciding whether it is worth two weeks of work, and the honest way to find out is to describe it properly and see who puts their hand up.
When it exists it will be a one-off purchase — expected to be $49, not a subscription, with no account needed. That price is not locked in.
Take a homeowner couple, both 67, with $700,000 of super between them and $45,000 in savings, who want to spend $78,566 a year — the ASFA comfortable couple budget. Here is what the two answers look like side by side, projected to age 92 at a 2.5% real return.
What a drawdown calculator tells them: the money covers 11 years, running short at age 77. It is the figure that keeps people awake.
The same spending, the same balance, the same returns — funded for the whole projection, because the pension rises as the balance falls.
It is not unconditionally good news, and the report says so. At a return two points lower than assumed, this same couple does not fund the full period. That range is part of the answer, not a footnote to it.
How long your money lasts at the spending you want, in years and to what age. A sentence you can read out to your partner, not a chart you have to interpret.
Both means tests, run against your own assets and income — and re-run for every year of the projection, because entitlement climbs as your balance falls. This is the part every free calculator leaves out.
Retire now or keep working to 67. Comfortable spending or modest. With a downsizer contribution or without. The same maths applied to the decisions actually in front of you.
What you must withdraw each year by law once an account-based pension starts, at your ages, stepping up as you get older. People are caught out by this in their seventies.
The same projection at a return two points lower and two points higher, so you can see how much of the answer is the market rather than your balance. No jargon.
The specific questions your situation raises, written down so you can walk in with them. The report prepares you for advice rather than pretending to replace it.
Leave your email and we will let you know when the report is ready. That is the whole message — we are gauging whether to build it, so saying yes here genuinely decides it.
We store your address to email you about this one thing, in line with our Privacy Policy. We do not share it and there is no payment involved.
None of this is locked behind the report. The engines behind it already run on the site — the report's value is doing the work for your household and writing it down, not withholding the calculators.
It is not financial advice. We are not licensed to give it and we will not pretend otherwise. The report is arithmetic: published rates and thresholds applied to the numbers you give us, with every source named and dated. It will never tell you to start a pension, restructure your assets, salary sacrifice or choose a fund. Those are your decisions, and they are exactly what a licensed adviser is for.
It is not a subscription in disguise. One payment, one report, no account required and no recurring charge.
It is not a prediction. Nobody knows what returns will be, and a projection that hides that behind a single confident number is worse than useless. You get a range, in plain words.
Age Pension payment rates effective 20 March 2026 and means-test thresholds and deeming rules effective 1 July 2026, both from Services Australia. Spending benchmarks from the ASFA Retirement Standard (March quarter 2026). Minimum drawdown rates from Schedule 7 of the SIS Regulations. Those rates and thresholds next change on 20 September 2026. Everything on this page, including the worked sample, is calculated by the same engines that run the free calculators — no figure here was typed in by hand. General information only; it does not consider your personal circumstances, and only Services Australia can assess a pension claim.