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How long will your money actually last?

Test how long a retirement balance lasts at your planned annual spending. It's the question behind every retirement plan — and the reason drawdown strategy, tax and the Age Pension deserve professional modelling.

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"Troy made me feel comfortable and explained my options clearly and simply. He saved me money and put a strategy in place I am happy and confident with."

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Self-Licensed AFSL SSA™ Designated Master of Fin. Planning Fee for Service
06 — Retirement

Retirement Planner

— Your Savings Will Last
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— Total Drawn
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— Real Return
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Assumes constant real return rate. Does not account for Age Pension entitlements, tax, market volatility, or changes in spending. Personal advice requires a Statement of Advice. AFSL 562647.

This calculator provides estimates only, based on simplified assumptions and the figures you enter. It does not take into account your personal objectives, financial situation or needs, and is not financial advice. Results are illustrative and actual outcomes will differ. Consider seeking personal advice before acting. Wealth Designers Advisory Pty Ltd (ABN 26 650 483 300, AFSL 562647).

Your Adviser

Self-licensed by design. Fee-for-service by choice.

Troy Gudgeon established Wealth Designers Advisory under its own Australian Financial Services Licence specifically to remove the conflicts that come with bank or institutionally-owned advisory groups. No dealer group, no product quotas — the only agenda at the table is yours.

  • 20+ years of financial planning experience across every market cycle
  • Master of Financial Planning — Kaplan Professional
  • SMSF Specialist Advisor™ (SSA™) designated
  • Member, Financial Advice Association of Australia (FAAA)
  • Self-licensed AFSL 562647 — no bank ownership, no third-party ties
  • Offices in Barangaroo (Sydney) and Brisbane CBD — advises nationally via Zoom
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Troy Gudgeon, Founding Director and Principal Adviser
Troy Gudgeon
Founding Director & Principal Adviser
MFinPlan · SSA™ · FAAA Member
Wealth Designers Advisory Pty Ltd
ABN 26 650 483 300 · AFSL 562647
Accredited SMSF Association Specialist
Common Questions

Answers about the retirement income calculator.

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  • Does this include the Age Pension?
    No — it models your private savings only. Many retirees receive a part Age Pension at some point, which materially extends how long capital lasts. Structuring assets around the means tests is a core part of our retirement advice.
  • What spending rate is sustainable?
    It depends on your balance, asset mix, retirement age and flexibility. Rules of thumb (like 4%) are starting points, not answers — a modelled drawdown plan with annual reviews is how you avoid both running out and underspending.
  • Does the calculator allow for market crashes?
    No — it assumes a smooth constant return. In reality, poor returns early in retirement (sequencing risk) can deplete a portfolio much faster than averages suggest. Managing that risk is one of the most valuable things an adviser does.
  • What about tax on my drawdowns?
    From age 60, withdrawals from super pensions are generally tax-free, while investments outside super are taxed differently. The order you draw from each — the sequencing — can add years to your money.
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Wealth Designers Advisory Pty Ltd · AFSL 562647 · Advice prepared under the Corporations Act 2001