Retirement tool
Retirement modelling
Balance at retirement and drawdown.
The full arc in one projection: the balance built by retirement age, then the drawdown path through retirement, with every assumption labelled on screen and editable in front of the client.
This is the tool most advisers present live. Change the retirement age, the contribution rate or the return assumption and the curve moves immediately.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Current balance, salary and contribution rate
- Retirement age and life expectancy
- Expected returns before and after retirement
- Desired retirement income and its indexation
What it reports
- Projected balance at retirement
- The drawdown path and projected depletion age
- The savings gap against the income goal, if any
- Which lever closes the gap fastest
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
On current settings the fund peaks at $1,280,000 at 67 and funds the $70,000 income goal to age 91.
Working one extra year adds $118,000 to the peak balance and three years to the projected income.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.