A regulation-aware retirement projection engine for Australians, explored conversationally. Register free and get welcome credit to run the model, explore what-if scenarios, and ask questions in plain English. Then pay only for time you actually spend in the app — no subscription, no commitment. Your data is always saved.
You don't need to be a finance expert. Enter your details, see where you're headed, and learn what questions to ask when you're ready to speak to a professional.
See your income, expenses, super, investments, and pension mapped out year by year — from now until retirement and beyond. No spreadsheets required.
Set up your projection by typing instead of clicking through forms — "I'm 42, earning $145K, $180K in super, retiring at 60" captures everything in one go. Once your projection is running, ask plain-English questions about what it shows: "Why does wealth dip at age 62?" "How is the tax being calculated here?" "What changes if I retire at 63?" The assistant reads the engine output and explains it — clear, contextual answers, not generic Google-search results. Welcome credit gets you started; beyond that you pay only for the minutes you spend in the app — $0.25/min + GST, no subscription.
The tool runs the projection through 1,000 different market scenarios — good years, bad years, everything in between — using Monte Carlo simulation. You don't need to understand the maths — the result is a simple probability score showing how the projection holds up under a wide range of conditions.
Adjust any input — contribution amounts, retirement age, mortgage repayments — and instantly see how the projection changes. Compare different scenarios side by side to explore how each assumption affects the model.
The Summary tab highlights where the projection crosses key regulatory thresholds — such as Age Pension age, concessional contribution caps, or the Transfer Balance Cap — helping you understand which rules are relevant to the model's calculations.
When you're ready to see a licensed financial planner, download a professional PDF of the projection to share. Walk in feeling informed rather than overwhelmed.
No financial knowledge needed. No appointments. No pressure. Just clarity about your own money — at your own pace.
Create a free account and start your projection. Type your details to the AI assistant — "I'm 42, $145K income, $180K super, retire at 60" captures everything at once — or enter them directly in any of the data tabs. Welcome credit gets you the lifetime projection, what-if scenarios, and the AI assistant from day one. No card needed.
No sensitive personal information needed — just financial basics like income, super balance, expenses, and date of birth for Age Pension calculations. Add as much or as little as you like. Your data is saved automatically.
Your starter credit unlocks everything: lifetime cash flow projection, charts, scenarios, summary, and the AI Q&A tool. You pay only for the minutes you actually spend in the app. Top up whenever you need more — no subscription, credits never expire.
Ask the AI assistant plain-English questions about your projection, run scenarios, and when you're ready for personalised advice, download a PDF to share with a licensed financial planner.
Super, tax, pensions, couples, SMSF, scenarios, estate planning — every feature comes with a jargon-free guide that explains what it does and how the model uses it. No financial knowledge required.
Most Australians don't engage with their finances until it's nearly too late. A ten-minute projection today could change how you think about the next thirty years.
Small changes made early may have a significant impact by retirement — a licensed financial planner can help you assess your options. Seeing it modelled in a projection makes the concept tangible.
Most people avoid financial planning because it feels overwhelming. When you can see how super, tax, and pensions work together in a clear projection, the concepts become far less intimidating.
Financial planners can help you most when you already understand the key concepts. You'll ask sharper questions and feel more informed during the conversation.
Register and enter your details at no cost. We give you welcome credit to explore your projection, run scenarios, and try the AI assistant. Beyond that, you pay only for the minutes you actually spend in the app. No subscription. No deadline.
Beginning just ten years earlier can model hundreds of thousands more in retirement — even with the same contributions
Understanding your super, tax, and pension eligibility puts you in control — not in the dark
Walk into a financial planner's office with a clearer understanding of the concepts, the terminology, and the questions worth exploring
The AI assistant reads the projection and answers questions about financial concepts in plain English. It won't tell you what to do — that's what licensed planners are for. But it will help you learn how super, tax, and pensions work so you can have better conversations when the time comes.
Depth of modelling typically found in professional financial planning tools — built for everyday Australians. Super, tax, Age Pension, property, debt, and investment modelling together in a single lifetime projection.
We're here to help you learn — not to replace a licensed financial planner. Every part of this platform is designed with Australian regulations in mind.
All AI responses are screened in real time against Australian regulatory guidelines. Educational language only — no personal recommendations, ever.
Your financial data is encrypted in transit and at rest, stored in Australia, and only processed to provide the service. We don't sell data, run ads, or use your information for marketing. See our Privacy Policy for full details.
When you're ready for personalised advice, download a professional PDF of the projection to share with a licensed financial planner — so the conversation can start from a more informed place.
No card required. No subscription. You pay only for the minutes you actually spend in the app.
All prices in AUD, plus GST. Credits never expire.
No credit card to register. Welcome credit included. Beyond that, you pay only for the minutes you spend in the app. No subscription, no commitment, credits never expire.
Welcome credit on signup · Pay-per-minute thereafter · Top up whenever · Credits never expire