Free Retirement Calculator - Project Your Retirement Income, Savings & Property

Disclaimer
This calculator provides estimates only, based on the figures and assumptions you enter. It does not constitute financial, tax, or legal advice, and should not be relied upon as a substitute for advice from a licensed financial adviser, accountant, or other qualified professional.
The calculator operates locally in your browser only. No user information is shared or stored outside the device on which the calculator is running.

How long will my assets last in retirement?

The calculator attempts to project how long your current assets will last into the future, based on your estimates of future asset returns and living expenses from the time of retirement.

Incorporates both inflation and taxation.
If you have investment properties, you can elect to sell them at retirement to realise the cash or hold the investment properties. If your assets diminish to zero because expenses have exceded non-property investment returns, an investment property will automatically be sold by the model at the projected value and the proceeds distributed to your non-property investment asset base.
All variables involved in the calculation can vary considerably over time, including, but not limited to, life expectancy, inflation rates, interest rates, asset class return rates, tax rates, superannuation tax rates, and government policy. The outcomes do not constitute financial advice and should be used as a guide only.

About You

A few basics that shape the rest of the worksheet.

Country

Inflation Rate %

Your Age

Gender

Property Assets

Your home and any residential or commercial investment properties.

Rental Availability (weeks)

Inv. Property Sale Proceeds (%)

Capital Appreciation Rate (%)

Property Details

Property	Current Valuation	Loans	Equity	Rental Income (pw)	Annual Expenses	Annual Income	Sell (Y/N)	Sale Estimate
TOTAL	0	0	0	0	0	0		0

Investment Assets

All non property income producing assets.

Asset	Valuation	Investment Return Rate (%)	Estimated Annual Income
TOTAL	0		0

Aggregate Return Rate

0.0%

Expenses

What you expect to spend over one year, once retired, based on today's costs.

Living Expenses

Rental Expenses (per week)

Travel Expenses

Incidental Expenses

Property Expenses on Your Home

Calculation

Your estimated position, projected out across retirement.

Estimated
Income 0

Estimated Expenses 0

Estimated Tax Payable 0

Estimated Tax Rate 0.0%

Estimated Annual Income / Loss 0

Projection

Investment Assets Property Assets Life Expectancy Assets Depleted

Show Chart Data

Projection Data

Age	Property Assets	Investment Assets	Investment Income	Property Income	Tax	Expenses

Show Tax Calculation

Taxable Income (all assets except Superannuation)	0
Tax at Marginal Rates	0
Superannuation Valuation	0
Superannuation Return Rate	0.0%
Superannuation Income (Valuation × Return Rate)	0
Superannuation Tax Rate	0.0%
Superannuation Tax	0
Tax Surcharge Rate (from selected Country)	0.0%
Estimated Income excl. Superannuation (surcharge base)	0
Tax Surcharge	0
Total Estimated Tax Payable	0

* Save Inputs saves your input data to a file on your local drive. Load Inputs loads the saved file back into the calculator.

Frequently Asked Questions

What makes this retirement calculator different from others?

Most free retirement calculators only handle simple savings and a flat return rate. This one also models property — including selling an investment property or downsizing your home — alongside tax, inflation, superannuation/pension rules, and country-specific life expectancy, then projects your position year by year rather than giving you a single number.

Can I include property in my retirement plan?

Yes. You can enter your home and up to ten investment properties, including valuations, loans, rental income, and expenses. If your projected investible assets run out, the calculator will automatically model selling an eligible investment property to help cover the shortfall, and will flag if you may need to consider downsizing, renting, or a reverse mortgage on your home.

Does the calculator account for tax?

Yes. It applies a progressive marginal tax rate table, a separate superannuation/pension tax rate, and an optional tax surcharge — all of which can vary by country. A full breakdown of how your estimated tax was calculated is available in the Tax Calculation Detail section.

Does this work for countries other than Australia?

The calculator lets you select a country, which sets default life expectancy, tax rates, and inflation for that country. It was originally built around Australian superannuation and tax rules, so those are the most complete right now, with more countries being added over time.

What happens if I run out of money before life expectancy?

The calculator will tell you directly — including the age it expects your money to run out, and how that compares to your life expectancy. If it's before your life expectancy, it will suggest options such as reducing expenses, downsizing your home, or a reverse mortgage. These are general suggestions only, not personal financial advice.

Is my data saved or sent anywhere?

No. Everything you enter stays in your browser. Nothing is uploaded to a server. You can save your inputs to a file on your own device at any time using the Save Inputs button, and load them back in later with Load Inputs.

Is this financial advice?

No. This calculator produces estimates only, based on the figures and assumptions you provide. It isn't a substitute for advice from a licensed financial adviser, accountant, or other qualified professional who can consider your full personal circumstances. See the full disclaimer below for details.

Is the calculator free to use?

Yes, completely free, with no account or sign-up required.

Disclaimer

This calculator is provided for general information and illustrative purposes only. All projections, figures, and outcomes shown are estimates based solely on the inputs and assumptions you provide — including but not limited to investment return rates, inflation, life expectancy, tax rates, and property values. Actual results will differ, potentially substantially, from what is shown here.

This tool does not constitute financial, taxation, legal, or retirement planning advice, and nothing displayed should be relied upon as a recommendation to buy, sell, hold, or otherwise deal with any financial product, investment, or property. Tax rates, superannuation rules, and other figures used in this calculator are simplified and may not reflect current law in your jurisdiction, may change without notice, and may not account for your individual circumstances.

Before making any decisions about your retirement, savings, investments, or property, you should seek advice from a licensed financial adviser, accountant, or other appropriately qualified professional who can consider your full personal circumstances.

This calculator is provided "as is," without warranty of any kind, express or implied. To the fullest extent permitted by law, the creator of this tool accepts no liability for any loss or damage arising from its use, or from reliance on any information it produces.

This site may display ads and includes an optional gratuity link. It does not sell or share your data; all inputs are confined to the device on which the browser is running.