Retirement Calculator¶

A single-file HTML tool that models superannuation growth, drawdown, and Age Pension to estimate retirement readiness. All inputs are interactive sliders — results update immediately.

No server required — just open retirement_calculator.html in any browser.

Inputs¶

Section	Field	Range
Your details	Current age	45–75
	Retirement age	55–80
	Current super balance	$0–$1M
	Annual salary	$30k–$300k
Assumptions	Investment return	1–12%
	Inflation	1–7%
	Super guarantee rate	9–15%
	Target lifestyle income	$30k–$150k
Voluntary contributions	Salary sacrifice	Up to $27,500/yr (toggle)
	After-tax contributions	Up to $110k/yr (toggle)
Age Pension	Include Age Pension	$0–$50k/yr (toggle)

Key Metrics¶

Super at retirement — projected balance when you stop working
Drawdown from super — lifestyle target minus pension
Super lasts until age — when funds run out (green if past age 85)

Charts¶

Super balance over time (line chart: growth + drawdown phases)
How your super grows to retirement (stacked bar: starting balance, employer SG, voluntary contributions, investment growth)
Retirement income breakdown (donut: Age Pension vs super drawdown)

Quick Scenarios¶

Toggle buttons for: - Early retirement (60) — less growth time - Your situation (70) — based on your inputs - Conservative returns — 4% returns, 3.5% inflation - Aggressive saving — max salary sacrifice + after-tax

Limitations¶

All figures are nominal (not inflation-adjusted) unless indexed in drawdown
Fund fees (0.5–1%/yr) are not included
Age Pension eligibility depends on government means testing
Not financial advice — consult a licensed adviser

Source Files¶

Usage guide
raw/retirement_calculator.html
raw/retirement_calculator.1.html
raw/retirement_calculator.2.html
raw/combined_retirement_calculator.html

[[Index]]
[[Superannuation Strategy]]