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Use Official Historical Data to Predict Future.
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Super Runway Calculator (Inflation Adjusted)

Over 2 hectares home may partially count as an asset.
Please ingnor your unstable、small amount income

Scenario A Invested in Super

Average Return: --%
Average Inflation: --%
Real Return: --%
First Year Overview
Yearly spending
--
--
Age Pension
--
--
Invest. Return
--
--
From Principal
--
--
your super will last
--
Age when Super & Saving runs out:
-- Yes, after this age you still have your age pension income

Scenario B In Bank Deposit

Average Return: --%
Average Inflation: --%
Real Return: --%
First Year Overview
Yearly spending
--
--
Age Pension
--
--
Invest. Return
--
--
From Principal
--
--
your super will last
--
Age when Super & Saving runs out:
-- Yes, after this age you still have your age pension income

Scenario C Do Your Own Invest

Your Own Invest Return: --%
Average Inflation: --%
Real Return: --%
First Year Overview
Yearly spending
--
--
Age Pension
--
--
Invest. Return
--
--
From Principal
--
--
your super will last
--
Age when Super & Saving runs out:
-- Yes, after this age you still have your age pension income

Balance Over Time

In three scenarios, how your balance changes as you age.

Scenario A · Invested in Super Scenario B · In Bank Deposit Scenario C · Do Your Own Invest
Each line uses the same retirement logic as its result card. Depletion points are marked directly on the chart.

This Australian retirement calculator estimates how long your super and savings may last based on your balance, yearly spending, Age Pension income, inflation, and investment return, and lets you compare three scenarios to see whether your retirement spending is covered by pension and return or whether you still need to draw down principal over time.

Retirement Spending Comparison

This retirement spending comparison helps Australian users compare yearly living costs and see how different spending levels can change long-term super and pension planning.

Spending Breakdown

See where your money goes — proportional view on the left and ranked by amount on the right.

Slice size = share of annual total. Labels appear on slices ≥ 5%. Hover for details.

Historical Super & Investment Returns (2004–2025)

Historical Australian super returns, bank deposit rates, inflation, and major investment market data from 2004 to 2025 to help users compare long-term return trends in retirement planning.

Year Inflation Bank Deposit Super Return S&P 500 Gold BTC
Y axis offset +80 to handle negative values on log scale · Tick labels show true % values

Data Sources

Note: Years ending June 30