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My Future · Retirement

When can I retire?

Estimate the earliest age your retirement plan could sustainably support your lifestyle.

Your plan

The plan behind this estimate

About you

AUD

What you have
AUD

AUD

AUD

This uses your current cash and savings as a modelling input; Futara does not grow this balance to retirement.

What you're adding
AUD

AUD

Retirement lifestyle

The amount entered is the starting retirement spending Futara models. Spending then grows with inflation during retirement.

Your estimate

Retirement outlook

Your result will appear here

Adjust the details in your scenario, then calculate your estimate.

Planning assumptionsView the modelling settings used in this estimate

Assumptions you can test

Futara assumptions are starting points for modelling. Retirement spending amounts apply from retirement start, then grow with inflation during retirement. You can change assumptions for this calculation. Enter 7 for 7%, not 0.07.

Super returns are estimated after investment costs and investment tax. Separately modelled administration fees are also deducted.

%

%

%

Estimated investment return after investment costs and investment tax.

%

%

Estimated investment return after investment costs and investment tax.

%

Account administration fee as a percentage of the super balance.

AUD

Account administration fee charged as a fixed annual amount.

%

Account administration fee as a percentage of the super balance.

AUD

Account administration fee charged as a fixed annual amount.

How Futara models retirement

Super access age
60
Modelling end age
95
Retirement age search range
40 → 70
Cash reserve
Futara keeps around one year of your planned retirement spending in cash where possible.
Retirement funding
Futara uses cash above your reserve first. Once super becomes available, Futara models withdrawals across your investments and super.

These are modelling assumptions and can differ from actual future outcomes.

Futara provides financial projections based on the information and assumptions entered. Results are estimates only and are not a guarantee of future outcomes or personal financial advice.