The Retirement Calculator for Women in Midlife

I spent 25 years in finance and I still had a moment where I looked at my own numbers and thought, I wish I’d looked at this sooner.

Not because the situation was unfixable. Because I hadn't looked. A lot of women haven't. And the not knowing is so much scarier than the actual number.

I built this tool because that conversation, the one where you finally sit down and look at your real retirement picture, should not require a financial adviser, a spreadsheet, or a degree. It takes about 10 minutes. It gives you your projected balance, your monthly income in retirement, your gap if there is one, and exactly what it would take to close it. Then it generates a personalised PDF you can keep.

See how the calculator works

Tap through each step below

From Retirement Fear to Your Personal Retirement Plan

Annette Rose · womenget.money

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.

Join the free challenge
Download Sarah's Personal Retirement Plan (PDF)
1 of 6

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

That’s Sarah’s number. Now get yours.

GET THE RETIREMENT CALCULATOR