Map out what your retirement could look like, work out what it will cost, measure that against what you already have, and turn the gap into a plan with dates against it.
You don't know whether you'll have enough, or when you could actually afford to stop. Super statements arrive and mean very little. Nobody has told you what your retirement would cost, whether the money would still be there if you lived to 95, or whether you have left it too late to make much difference.
How we can helpIt starts as a roadmap. What does your retirement actually look like — when do you stop, where do you live, how do you spend your weeks? We cost that life out, measure it against the resources you already have, and turn whatever gap remains into a plan of actions with timelines against them. From there we look at the options: which income products can deliver the money you need, and how it should be invested along the way.
What you'll getNone of this requires you to know the technical detail up front. It is a sequence, and each step makes the next one easier.
When would you like to stop working? Where will you live — the same home, somewhere smaller, somewhere else entirely? And what will you actually do with your weeks? This is the part only you can answer, and everything else follows from it.
We turn that picture into an annual cost, starting from what you spend now and adjusting for what changes — the commute disappears, travel might not. You get a realistic number rather than a guess.
Super, savings, investments, property and any Age Pension entitlement, projected to the date you have in mind. This is where you find out whether you are on track, ahead, or short — and by how much.
Whatever the gap, it becomes a list of things to do with dates against them: contributions to make, timing to hit, decisions to revisit. Not a document that sits in a drawer.
Which income products suit you, and how the money is invested to get there and to keep going once you have stopped working.
Guides, articles and tools on retirement planning — free to read, no account needed. Work through them at your own pace, or skip straight to the action below.
The income and assets tests, why part payments matter, and the concession cards and supplements that come with them.
Read the guideWhether your income will be enough, how long the money needs to last, and the four sources that fund a retirement.
Read the guideRetirement is a new life, not just the end of work. When to retire, where to live, what to do — and what happens when the picture changes.
Read the guideSaving, transitioning and living in retirement each need their own budget. Case studies for the first two, and the two risks in the third.
Read the guideWithdrawing from super, choosing an income stream, and the age pension, concession cards and tax offsets that sit alongside it.
Read the guide
A financial wellbeing platform designed to help you understand your full financial picture. Built in Australia, for everyday Australians.
Evolucian Pty Ltd trading as "Transfigr" (Corporate Authorised Representative No. 1307597) is authorised under Financial Mandate Pty Ltd ABN 75 686 236 180 (the Licensee), the holder of Australian Financial Services Licence No. 700151.
