Aussie RetirementCalculatorLegal Disclaimer
Not financial advice
Aussie Retirement Calculator is an educational tool designed to help you understand and visualise your retirement income. It is not financial advice.
The projections produced by this tool are estimates only. They are based on the assumptions and figures you enter, and on publicly available rules for superannuation and the Age Pension as at the date shown above. They do not account for your complete financial situation, tax position, investment strategy, or personal circumstances.
You should not make financial decisions based solely on the output of this tool. We strongly recommend speaking with a licensed financial adviser before making decisions about your retirement.
Accuracy
We make every effort to keep the Age Pension rates, means test thresholds, and superannuation rules up to date. However, these rules change regularly and we cannot guarantee that all figures are current at the time you use the tool. Always verify important figures with Services Australia or the ATO.
What this tool does not account for
The projections produced by this tool may not account for, or may simplify, a number of factors that could materially affect your retirement outcome, including but not limited to:
- Income tax and capital gains tax on investments or super withdrawals
- Tax offsets such as the Seniors and Pensioners Tax Offset (SAPTO)
- State-based concessions and entitlements
- Centrelink concession cards and associated benefits
- Changes to superannuation legislation or Age Pension policy
- Investment risk and sequence of returns risk
- Inflation beyond the assumptions entered
- Health costs, aged care costs, or other unexpected expenses
- Relationship changes, inheritance, or other life events
- The impact of salary sacrifice or other contribution strategies
This list is not exhaustive. Your personal financial situation is unique and a licensed financial adviser can help you understand factors specific to your circumstances.
No liability
To the extent permitted by law, Aussie Retirement Calculator and its operators accept no liability for any loss or damage arising from reliance on information or projections produced by this tool.
Regulatory status
Aussie Retirement Calculator is not a licensed financial product or financial advice service. It does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide personal financial advice.