Retirement Planner
Project your super balance at retirement and estimate the annual income it could provide — a simple way to sense-check whether you're on track.
A simplified model that draws the balance down to zero over your chosen retirement period. It excludes the Age Pension, inflation, tax in retirement and salary growth.
How much retirement income your super can provide depends on your projected balance at retirement and how long you draw it down. Drawing a balance to zero over 25 years gives a higher annual income than spreading it over 35 years, and many Australians also receive part or full Age Pension on top. This is a model, not a prediction.
A default or error on your credit file can cost you a much higher interest rate than the one above. We're an ASIC-licensed, solicitor-led team — get a free, no-obligation assessment. No Win No Fee.
Getting Debt-Free Before You Retire
Carrying debt into retirement can quietly erode your income, so clearing loans and cards beforehand matters. A clean credit file helps you refinance or consolidate on better terms while you're still working — worth checking if an old listing might be in the way.
Add this calculator to your site — free
Brokers and partner sites can embed this calculator for free and keep your own branding around it. Just copy the code below. It includes a small credit link back to Australian Credit Solutions — that's the only condition of use.
Retirement Planner Questions
How much do I need to retire in Australia?
Does this include the Age Pension?
Should I clear debt before retiring?
Important — this is an estimate, not advice. This is a model based on a set of assumptions, not a prediction. The amounts are estimates only and are not guaranteed; your actual retirement income will depend on your circumstances and external factors such as investment returns, fees, tax, inflation and the Age Pension. Do not rely on it to make retirement decisions; consider advice from a licensed financial adviser. Results are not guaranteed and do not constitute financial, credit or tax advice. Consider your own objectives, financial situation and needs, and seek advice from a licensed professional before making a decision. Australian Credit Solutions Pty Ltd holds Australian Credit Licence ACL 532003 and provides credit file correction services. Last updated: 14 June 2026.