Just ask your question: "How much super do I need?" "Will I qualify for the Age Pension?" "Should I salary sacrifice?" Our AI analyses your situation with real Australian tax rules—and explains what it found in plain language.
Earlier freedom, lower government benefits
Standard retirement, balanced approach
Maximum benefits, shorter retirement
No forms. No menus. Just conversation.
Ask follow-ups. Change assumptions mid-thought. The AI keeps up.
Get a quick answer now, or go deep when it matters. Same question, you control the depth.
"Can I retire at 60?" → "Likely yes, with some trade-offs. Want details?"
See key numbers, major assumptions, and the main trade-offs explained clearly.
Every assumption visible. Every calculation explorable. Change any input and see ripple effects.
Start quick, drill down when something matters. No judgment.
No generic features—real answers to the questions that keep you up at night. Every answer comes with month-by-month projections using actual Australian tax rules.
The ASFA Retirement Standard suggests $595k for a comfortable retirement couple. But your number depends on your lifestyle and whether you'll get the Age Pension. We calculate your specific target.
The assets test and income test determine your eligibility and payment rate. We model your super drawdowns, home situation, and other assets to project your pension eligibility year by year.
Salary sacrifice lets you contribute pre-tax dollars, but you're limited to $30k total concessional contributions. We calculate the tax savings versus the loss of accessible income for your situation.
Preservation age is 60 for those born after July 1964. But accessing it tax-effectively is complex. We model TTR pensions, lump sum withdrawals, and account-based pensions to find the optimal approach.
Transition to Retirement lets you access super while still working, potentially reducing tax. But it's not always beneficial. We model the tax savings against the reduced super growth for your circumstances.
The downsizer contribution lets you put up to $300k into super from selling your home (per person, if eligible). We model how this affects your Age Pension and overall retirement income.
Most calculators hide what they're assuming. We show you exactly what's known vs. assumed—inflation rates, returns, tax brackets, everything. Don't like an assumption? Click it and change it. Your projections update instantly.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"I'm trying to work out if extra salary sacrifice now means I'll lose Age Pension later. No calculator I've found handles this properly."
— Waitlist member, Melbourne"The Roth conversion ladder it suggested saves me roughly $47,000 in lifetime taxes. I've been doing my own spreadsheets for years and never saw this."
— Beta tester, Austin"Showed me withdrawing $15K extra from my RRSP before 65 would keep my OAS intact. That's over $8,000/year I was about to lose."
— Beta tester, Vancouver"My current advisor couldn't tell me whether to take the 25% lump sum now or phase it. I need something that actually models the numbers."
— Waitlist member, EdinburghMost calculators only handle one country. We can model your retirement in 68 different countries—so you can compare what your finances would look like in each.
68 countries. Compare your options.
We'll let you know when your country is ready.
No forecast survives contact with reality. But the habit of projecting, tracking, and adjusting? That's where the value lives. The goal isn't a perfect plan—it's a better conversation with your future self.
Quick updates as you go. Log actual income, expenses, and account values against your plan.
See where reality diverged from projection. One-time blip or trend to address?
Your projection updates automatically. No more stale spreadsheets from two jobs ago.
When you drift off plan, get suggestions to get back on track—or update your target.
Small decisions compound over a lifetime. The right contribution sequence, tax-efficient growth, and smart drawdown strategy can mean hundreds of thousands more in your pocket.
Over a lifetime, optimizing super contributions, investment structures, and drawdown timing saves the typical Australian household tens of thousands in taxes.
Timing your transition to retirement and Age Pension claims strategically can significantly boost your income. We model your specific situation.
With proper planning from the start, many households reach financial independence years earlier than they thought possible.
Retirement isn't a solo journey. We model both partners' income, benefits, and accounts together—so you can see how decisions affect you as a household.
Most tools treat each person separately. But real couples make joint decisions—when to access super, how to structure pensions, and how to maximise the Age Pension.
ASFA reckons about $595,000 for a comfortable retirement—whether you're a couple or flying solo. But your number depends on how you want to live, whether you own your place outright, and what you'll get from the Age Pension. We work out your actual target based on your real expenses and income.
You'll need to be 67 or older and get through both the assets test and income test. For homeowners, assets above $301,750 (single) or $451,500 (couple) start chipping away at your pension. We model how your super drawdowns and other assets affect your eligibility year by year.
Money going into super via salary sacrifice gets taxed at just 15%, compared to your marginal rate on regular income. Earning over $45,000? You'll probably come out ahead. Just remember there's a $30,000 cap on total concessional contributions (including what your employer puts in). We'll show you whether it's worth it for your situation.
If you were born after July 1964, your preservation age is 60. You can get at your super earlier through a TTR pension while you're still working. Once you've hit a condition of release (like actually retiring), you can take it as a lump sum or set up an income stream—your call.
TTR lets you draw an income from your super while you're still working. Pair it with salary sacrifice and you can boost your super balance while paying less tax. Sounds good, but it doesn't work for everyone—we'll model whether it actually makes sense for your income and super balance.
Selling the family home after 55 and owned it for 10+ years? You can tip up to $300,000 per person into super, outside the normal caps. Handy. But heads up—it can affect your Age Pension down the track. We'll show you the trade-offs for your specific situation.
We're launching in Canada and the US first, with Australia and the UK following soon after. Join the waitlist for your country.
No spam. Just launch updates for your selected countries.