Retirement tool
PremiumRetirement income optimiser
Drawdown, tax-aware, to end of life.
Models funding a retirement income goal from every account the client holds: super, pension, taxable portfolios, cash, even a US 401(k) or UK pension held by an Australian resident. Withdrawals from each account are taxed according to its environment, and minimum pension drawdowns are enforced.
The drawdown order can be tax-optimised, and the tool's verdict is the one that matters: does the income goal survive the whole retirement, from retirement age to the expected mortality age.
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
- Every account: balance, environment, expected return and fees
- The income goal and its indexation
- Retirement age and expected mortality age
- Drawdown order: fixed, or tax-optimised
What it reports
- Year-by-year income by source, after tax
- Whether the goal survives to the mortality age
- The tax paid under the chosen versus optimised order
- Account balances along the whole path
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
The tax-optimised drawdown order funds the $80,000 goal to age 94, three years longer than the default order, saving $41,200 of tax along the way.
The UK pension is drawn last: its withdrawals are the most heavily taxed dollars in the plan.
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.