Retirement income calculator

Runs out after

An estimate from the inputs you enter, not financial advice and not a forecast. Read the assumptions and exclusions on this page before relying on it.

The starting balance, return, inflation, withdrawal and horizon are user inputs; no life expectancy or safe-withdrawal rate is supplied. Every figure is nominal; annual return is converted to a monthly equivalent and applied before each end-of-month withdrawal. The first-year annual withdrawal is divided into twelve payments and changes once each year by the entered inflation rate. Withdrawals stop at a zero modelled balance and remaining scheduled amounts are reported as shortfalls. Tax, fees, investment volatility, lump sum spending, contribution changes, Age Pension and other retirement income are excluded. This is not a superannuation access, preservation-age or minimum pension-payment calculation. An estimate from the inputs you enter, not financial advice and not a forecast. Read the assumptions and exclusions on this page before relying on it.