Get answers to the questions that keep you up at night. "Will I qualify for the Age Pension?" "Should I salary sacrifice to super?" "When can I access my super?" Our AI analyzes your situation with real Australian tax rules.
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.
Quick answer or forensic detail—you decide.
"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.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"The super system is confusing as. Can't wait to see someone model the preservation rules properly."
— Waitlist member, Melbourne"I've spent years in spreadsheets trying to figure out Roth conversions. This thing nailed it in five minutes."
— Beta tester, Austin"Finally something that handles the RRSP-to-RRIF conversion properly and shows me when my OAS gets clawed back."
— Beta tester, Vancouver"The pension freedoms rules are a minefield. Would be brilliant to have something that models drawdown properly."
— Waitlist member, EdinburghWhether you're retiring to the sun, following work, or rejoining family—cross-border planning is complicated. Different tax treaties, pension portability, healthcare systems. We're building support for 59 countries so you can model the move before you make it.
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.
ASFA suggests $595,000 for a comfortable retirement for a couple, or $595,000 for a single. But your number depends on your lifestyle, whether you own your home, and if you'll receive the Age Pension. Our calculator works out your specific target based on your actual expenses and income sources.
You need to be 67+ and pass both the assets test and income test. For homeowners, assets above $301,750 (single) or $451,500 (couple) start reducing your pension. We model your super drawdowns and other assets year-by-year to project your eligibility.
Salary sacrifice contributions are taxed at 15% inside super versus your marginal rate outside. If you're earning over $45,000, you'll likely save tax. But you're limited to $30,000 total concessional contributions (including employer contributions). We calculate whether it makes sense for your situation.
Your preservation age is 60 if you were born after July 1964. You can access super earlier through a Transition to Retirement pension while still working. Once you've met a condition of release (like retiring), you can withdraw as a lump sum or income stream.
Transition to Retirement (TTR) lets you access your super as income while still working. Combined with salary sacrifice, it can boost your super while reducing tax. But it's not beneficial for everyone—we model whether it works for your income and super balance.
If you're 55+ and sell a home you've owned for 10+ years, you can contribute up to $300,000 per person to super (outside the normal caps). But this can affect your Age Pension eligibility. We model 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.