Australian Retirement Calculator

Australian Retirement
& Super Calculator

The only free Monte Carlo retirement calculator with Superannuation modelling, Australian tax rates (27%), and ASX historical returns. Run 1,000,000 scenarios of your Aussie retirement.

🇦🇺 Calculate My Australian Retirement
🇦🇺 Australian Tax Rates 🦘 Super Modelled 📈 ASX Returns 🆓 Free Forever
Australian-Specific Modelling

Built for Australian Investors

  • Australian Tax: ~27% effective rate modelled
  • ASX Returns: ~9% historical real returns (including dividends)
  • Australian Inflation: RBA historical CPI data
  • Superannuation: 11% employer SG contributions modelled
  • Preservation Age: 60 access modelled in retirement scenarios
  • AUD: All calculations in Australian dollars

Select "Australia" in the dropdown and the simulator instantly calibrates all economic parameters to Australian data.

Super & FIRE in Australia

Superannuation & the FIRE Path

🦘 Superannuation Is Powerful

The 11% Superannuation Guarantee plus voluntary concessional contributions (up to $27,500/yr taxed at 15%) make Super Australia's most tax-effective retirement vehicle.

⚠️ The Preservation Problem

Super can't be accessed until age 60 (preservation age). Early retirees need a separate non-Super investment portfolio to bridge the gap — our simulator models both.

🏠 Property vs. Index Funds

Australians historically rely on property heavily. Our what-if scenarios let you model a property-heavy vs. ASX index-heavy allocation and see which gives better retirement outcomes.

🇦🇺 Calculate Your Australian Retirement Free

Select Australia, enter your Super balance and salary, and run 1,000,000 Monte Carlo simulations of your Aussie retirement. Takes 60 seconds. No signup.

🇦🇺 Start Australia Retirement Calculator