Your Numbers
Your Scorecard
- Projected savings
- Estimated portfolio target used in this check
- Ratio
All figures on this page are shown in today's dollars, using a 4% real (inflation-adjusted) investment return.
Three Modelled Scenarios
Contribution Scenario
Spending Scenario
Illustrative Growth Assumptions
Shown at 3%, 4%, and 5% real (inflation-adjusted) return. The 4% case is the one used for the verdict above.
Country Pension / Benefit Context
Consider rerunning the projection when your circumstances change, or around once a year.
How this estimate works
This estimate models a simplified version of your retirement picture. It assumes a 4% real (inflation-adjusted) investment return and a 4% withdrawal rule, with all figures shown in today's dollars.
This model does not account for:
- Taxes
- Investment fees or account costs
- Market volatility — the model uses one smoothed average return rather than year-to-year variation
- Healthcare or aged-care costs
- Other assets or income sources beyond what's entered
- Country-specific pension rules, means-testing, or eligibility thresholds
- Life expectancy or longevity beyond what's built into the 4% withdrawal rule assumption
- Existing debt
- Future changes to legislation, tax rules, or pension policy
These factors can meaningfully change a real retirement plan. This is a modelled starting point, not a complete financial plan.
This is a general educational estimate using simplified planning assumptions, including a 4% real investment return and a 4% withdrawal rule. Figures are shown in today's dollars and are modelled projections, not guarantees or personal financial advice.