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Moneysmart Retirement Planner
What it is
Moneysmart Retirement Planner is a free web calculator for estimating retirement income, checking progress toward retirement goals and building a retirement plan. Users can compare scenarios involving career changes or breaks, lifestyle goals, investment choice changes and regular income. The planner projects savings growth, estimates retirement income under different scenarios and can estimate Centrelink entitlement. Results can be downloaded when the planning session is complete. Moneysmart says its guidance is for all Australians, whatever their situation or stage of life. The service is provided by a Federal Government website brought to users by the Australian Securities and Investments Commission. Moneysmart states that it does not provide personal financial advice, and ASIC says calculator outputs illustrate scenarios rather than replacing professional advice. Moneysmart describes compliance with Australian Privacy Principles and federal website guidelines, plus firewalls, security patches, regular testing and encryption. It has no call centre and directs feedback or complaints to its page feedback form.
For and against
For
- Free retirement planning calculator
- Compares career and lifestyle scenarios
- Projects savings growth
- Estimates Centrelink entitlement
- Allows results to be downloaded
Against
- Results are illustrations, not professional advice
- No call centre for support
- Web-only service
- No social security modeling
The verdict
Moneysmart Retirement Planner offers free scenario-based retirement estimates with downloadable results. Use it as a planning aid while recognizing that it does not provide personal financial advice.
Who it suits
The planner suits Australians at any stage who want to explore retirement scenarios and download projected results. It is for general planning, not personal financial advice.
Plans and prices
Free
Retirement planning calculator
Read 9 Oct 2026 · moneysmart.gov.au
On the record
- Advice limitation
- ASIC says its calculators illustrate scenarios and their results should not be treated as a substitute for professional advice.moneysmart.gov.au · read 9 Oct 2026
- Audience
- Moneysmart says its guidance is for all Australians, whatever their situation or stage of life.moneysmart.gov.au · read 9 Oct 2026
- Download results
- The translated planner page says users can download their results when they finish.moneysmart.gov.au · read 9 Oct 2026
- Integrations
- The planner can estimate Centrelink entitlement, but the page does not describe an account connection or data integration.moneysmart.gov.au · read 9 Oct 2026
- Not financial advice
- Moneysmart says it does not provide personal financial advice.moneysmart.gov.au · read 9 Oct 2026
- Privacy
- Moneysmart says it complies with the Australian Privacy Principles in the Privacy Act 1988 and follows federal government website guidelines.moneysmart.gov.au · read 9 Oct 2026
- Provider
- Moneysmart is a Federal Government website brought to users by the Australian Securities and Investments Commission.moneysmart.gov.au · read 9 Oct 2026
- Purpose
- The planner estimates retirement income, helps users check progress toward retirement goals and helps create a retirement plan.moneysmart.gov.au · read 9 Oct 2026
- Retirement income
- The planner can estimate retirement income under different scenarios.moneysmart.gov.au · read 9 Oct 2026
- Scenarios
- Users can add career changes and breaks, lifestyle goals, investment choice changes and regular income.moneysmart.gov.au · read 9 Oct 2026
- Security
- Moneysmart says its website uses firewalls, security patches, regular security testing and data encryption, and complies with the Australian Government Protective Security Policy Framework and Information Security Manual.moneysmart.gov.au · read 9 Oct 2026
- Support
- Moneysmart does not have a call centre and directs users to its page feedback form for comments or complaints.moneysmart.gov.au · read 9 Oct 2026
