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While you wait - if retirement has been keeping you up at night, don’t wait any longer to find out where you stand.

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See how the calculator works

Tap through each step below

Before we start

This calculator is for general educational purposes only and does not constitute personal financial advice. Always consult a licensed financial adviser.

I understand this is general education only and not personal financial advice.

Your first name (for your personalised PDF)

Sarah

Your name personalises your downloadable retirement plan PDF.

Step 1 - About you

Current age

52

Retirement age

65

Retirement savings ($)

$85,000

Monthly contributions

$800/mo

Home ownership at retirement

Yes - own outright

Step 2 - Portfolio strategy

Conservative

~3.5%

Cash, bonds, term deposits

Balanced

~6%

Mix of shares and bonds

Growth

~8.5%

Mostly shares and property

Annual investment fees

1% per year (net return: 5%)

Typical fees: Industry super 0.5-1% · Retail funds 1-2% · Adviser managed 1.5-2.5%

Step 3 - Monthly retirement costs

Rent / housing (owner)$800

Food & groceries$400

Utilities$300

Insurance$250

Medical$200

Transport$300

Lifestyle & treats$500

Total monthly costs$2,750

Your results - Sarah

13 yrs

To retirement

$247k

Projected balance

$617

Monthly income

The gap is real. Let's work on closing it.

$533/month shortfall

A gap you can see is a gap you can close. Women close retirement gaps every single day with the right knowledge, plan and support.

Closing the gap + your PDF

$247k

Current projected balance

$1.1M

Balance needed to retire

$2,847/month extra

needed between now and retirement to close the gap

Start with the free Midlife Money Comeback Challenge and take real steps toward closing this gap.

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Download Sarah's Personal Retirement Plan (PDF)

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Get your own personal retirement plan

Enter your real numbers and discover exactly where you stand - and what to do about it.

Interactive retirement calculator with your own numbers

Your projected balance, monthly income and gap calculated instantly

Personalised PDF of your results to keep and share with your adviser

Clear next steps tailored to your scenario

Get my retirement plan - $27 AUD

One off payment · Instant access · General education only - not financial advice

From Retirement Fear to Your Personal Retirement Plan is an interactive tool built specifically for women 40+ that shows you your real retirement picture in minutes.

✔️ Enter your numbers - age, savings, contributions, expected costs (the tool guides you step by step)

✔️ Choose your portfolio strategy - conservative, balanced or growth

✔️ See your projected retirement balance, monthly income and any gap

✔️ Get a personalised PDF of your results to keep and share with your adviser

✔️ Walk away with clarity, not fear. And a clear next step

✔️ Lifetime access - return anytime you want to re-run the numbers and update your action plan

“Creating a financial plan for my new life as a separated co-parent has been on my 'to do' list for at least 2 years…I wasn't sure how to formulate and actualise any long-term financial goals. How much superannuation will I need to retire? What sort of insurances would I get greatest benefit from…etc. etc. I couldn't be more grateful for connecting with Annette shortly after my 40th birthday this year. I've now developed a clear vision and action plan to create a life with CHOICES.” Briana, Sydney

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