Approved Financial Planners — Client Tools

Am I on track to retire?

Shows a rough projected balance at retirement against an indicative target, based on a desired annual retirement income. Not a replacement for full advice modelling.

Am I on track to retire?

Adjust the numbers below to see a rough projected balance at retirement age, compared against an indicative target.

Current age 45

Retirement age 65

Current super balance $250,000

Total annual contributions $15,000

Include employer (SG) contributions, salary sacrifice, and any personal contributions — the full amount going into super each year, not just extra/voluntary amounts.

Expected return (% p.a.) 6.5%

Desired annual retirement income $70,000

Target balance is estimated using a simple 4% sustainable withdrawal guide — a rule of thumb, not a personalised calculation.

On track

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Projected balance at retirement

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Indicative target

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Gap

This is a general illustration only and does not constitute personal financial advice. The 4% guide is a simplified rule of thumb and does not reflect the Age Pension, tax, individual asset allocation or life expectancy. Figures are estimates and are not guaranteed. Speak with your adviser before making any decisions.

Approved Financial Planners Pty Ltd — AFSL 536864. Before acting on any illustration, consider its appropriateness and speak with your adviser.