Retirement planning in Australia — without the pressure
A real retirement plan answers four questions: what you'll spend, what will pay for it, when each layer unlocks, and what happens if life changes. Everything else is product-selling.
Four pieces, one working whole
How your super, investments and (eventually) the Age Pension hand over to each other — and what they can safely pay you each year.
Contribution levels, investment option and access timing, all bent around one date: the age you want work to become optional.
Where you'd land under the assets and income tests — and the legitimate structuring decisions that change the answer.
Which bucket you spend first, whose name assets sit in, and the small structural decisions that compound for decades.
Most retirement planning starts with products. Ours starts with a number: what a year of the life you actually want costs. Multiply it by 25 and you have your target; everything after that — super strategy, investing outside super, the ages when each layer unlocks — is engineering toward it.
And planning isn't only for 65-year-olds. The earlier the plan exists, the smaller the moves it needs. A 40-year-old adjusting contributions by a few hundred dollars a month often achieves what a 60-year-old can't with any amount of restructuring.
Do it yourself — or do it together
Everything on this site is built so you can do this yourself, free. Start with your number, stress-test it with the calculators, then work through the plan builder.
- Find your GLOW number — the 25× target
- How long will your savings last?
- Estimate your Age Pension
- The complete early-retirement guide
Some decisions are worth a second pair of eyes: drawdown order, contribution strategy near the caps, pension structuring, an age-gap couple's options. That's where twenty years of doing this earns its keep.
- A conversation first — never a pitch
- Advice scoped to what you actually need
- You keep the plan either way
Not sure which path? Start with your number.
Thirty seconds, four sliders, and you'll know how far you are from work optional. The rest gets much easier from there.