Retirement Calculator — Usage¶
Overview¶
A single-file HTML tool that models your superannuation growth, drawdown, and Age Pension to estimate retirement readiness. All inputs are interactive sliders — results update immediately.
How to use¶
Open retirement_calculator.html in any browser. No server needed.
Inputs¶
| Section | Field | What it does |
|---|---|---|
| Your details | Current age | Your age now (45–75) |
| Retirement age | When you plan to retire (55–80) | |
| Current super balance | What you have saved now ($0–$1M) | |
| Annual salary | For calculating employer SG contributions ($30k–$300k) | |
| Assumptions | Investment return | Expected annual return (1–12%) |
| Inflation | Expected inflation (1–7%) | |
| Super guarantee rate | Current SG rate (9–15%) | |
| Target lifestyle | Desired annual retirement income ($30k–$150k) | |
| Voluntary contributions | Salary sacrifice | Pre-tax contributions (toggled on/off, up to $27,500/yr) |
| After-tax contributions | Post-tax contributions (toggled on/off, up to $110k/yr) | |
| Age Pension | Include Age Pension | Toggle on/off, set expected annual amount ($0–$50k) |
Key metrics¶
- Super at retirement — projected balance when you stop working
- Drawdown from super — how much you need to pull from super each year (lifestyle target minus pension)
- Super lasts until age — when the money runs out (or
goodcolor if it lasts past age 85)
Charts¶
- Super balance over time — line chart showing growth and drawdown phases
- How your super grows to retirement — stacked bar breaking down starting balance, employer SG, voluntary contributions, and investment growth
- Retirement income breakdown — donut chart comparing Age Pension vs super drawdown
Quick scenarios¶
Buttons at the bottom to toggle between: - Early retirement (60) — retire at 60, less growth time - Your situation (70) — default based on your inputs - Conservative returns — lower returns (4%), higher inflation (3.5%) - Aggressive saving — max saving with salary sacrifice and after-tax contributions enabled
Year-by-year table¶
Full projection of age, contributions, investment growth, drawdown, and balance.
Notes¶
- All figures are nominal (not inflation-adjusted) unless indexed in the drawdown phase.
- Fund fees (typically 0.5–1%/yr) are not included.
- Age Pension eligibility depends on government means testing — confirm with Services Australia.
- This is not financial advice — consult a licensed adviser.
File location¶
- HTML:
retirement_calculator.html(in vault root) - Original source:
~/Downloads/work/retirement_calculator.html