Know exactly how long your money will last.
Tell us about your super, your plans and the life you want. We'll map out your retirement to age 90 and beyond, including the Age Pension, so you can stop wondering and start planning.
Retirement isn't the finish line.
It's your starting line.
The retirement guessing game
Stop the Guesswork
You've spent decades building your retirement savings, but ask "will it last?" and the answers are vague. Online calculators feel generic, the Age Pension rules are a maze, and the fear of getting it wrong keeps you working "one more year" or lying awake at night.
Stop guessing! You don't need to be a spreadsheet expert. You just need your own numbers, laid out clearly, in plain English.
Before
"I hope it lasts"
After
Know your number
How long your retirement savings might last, year by year, to age 92.
Three steps to a clear answer.
Ready
Answer simple questions about your age, retirement savings, home and the lifestyle you'd like. It takes about five minutes.
Set
We model your retirement year by year, including the Age Pension, and compare up to three scenarios you choose.
Retire
Your personalised report lands in your inbox, with clear charts, plain-English commentary and your scenarios side by side.
Everything you need to plan with confidence.
Not a generic calculator. A beautifully presented report built around your numbers and your plans, written the way a good adviser would explain it across the table.
No jargon.
Your current situation
Frequently asked questions
Is this financial advice?
No, this is not financial advice. Your report is a calculator-style projection based on the details you enter and the assumptions stated in it. Nobody reviews your circumstances or recommends a course of action.
How long until I get my report?
Most reports arrive within a few hours of payment.
What if I don't know an exact number?
A good estimate is fine. Your latest retirement savings statement is the best place to find your balance.
What's in my report? Can I see a sample first?
Your report shows how long your retirement savings might last under up to three scenarios you choose, out to age 92. It includes a chart of your savings, where your income comes from each year, results at lower and higher investment returns, year-by-year tables and the assumptions used. You get it as a PDF and as an interactive online version (best viewed on a tablet or computer).
See a sample reportOpens in a new tabWhat age does my report run to?
To age 92, the standard age ASIC sets for retirement calculators based on life expectancy at retirement.
Does it include the Age Pension, and how is it worked out?
Yes. It's estimated from age 67 using current Services Australia rates and both the assets and income tests (including deeming), based on whether you're single or a couple, whether you own your home, and your assets. We assume the payment rate rises 3% a year, which is cautious: in the past it has often risen faster. The assets and income limits rise 2.5% a year with prices. Services Australia decides your actual entitlement.
Are the results cautious or optimistic?
Cautious, on purpose. Your income goal rises 2.5% a year so it keeps up with inflation, and the Age Pension rate rises a modest 3% a year. That stress-tests your plan, so the real outcome could well be better. Your report also shows what happens with lower and higher investment returns.
I've already retired. Is this still useful?
Yes, if you're 60 or over. Enter your age and retirement savings today and the yearly income you'd like, and your report shows how long your savings might last from here.
Can I see what happens if I retire before 60?
Not with this report. The earliest stop-work age it models is 60, when most people can start using their retirement savings. Retiring earlier, or easing into retirement part-time, involves choices a calculator can't weigh up for you, so it's best to get personal advice from a licensed financial adviser. If you're part of a couple, your partner can be under 60: the report allows for their savings staying locked until they turn 60.
I rent. Does that change my results?
It can. People who rent have a higher assets limit for the Age Pension, so the same savings can mean a larger pension estimate. Just choose "Non-homeowner" in question 3 and the calculator uses the right limits. Commonwealth Rent Assistance is not included, so any you receive would be extra income on top of your results.
What doesn't this report cover?
It doesn't model personal income tax, aged care costs, health events, selling or downsizing your home, inheritances or future changes to the law. It uses the same average return each year, while real returns go up and down. It isn't financial advice and doesn't recommend any product or strategy.
Ready Set Retire is an independent online service that provides calculator-style retirement projections. We don't provide financial advice, recommend financial products or strategies, or review your personal circumstances. Your report is produced by a calculator from the details you enter. Projections are illustrative only, are based on the information you provide and the assumptions stated in your report, and are not a guarantee of future outcomes. Investment returns, Centrelink rules and legislation can change. Ready Set Retire. ABN 16 703 235 741