Moneysmart Retirement Planner
Moneysmart Retirement Planner: A free Australian retirement calculator centered on superannuation, Age Pension and scenario planning. Ranked #23 of 26 in Retirement Planning Software by our editors (7.0/10); pricing: Free plan; best for australians planning around superannuation and Age Pension.
At a glance
- Editor score7.0 / 10
- PricingFree plan
- Best forAustralians planning around superannuation and Age Pension
- Free planYes
- Paid fromFree
- Facts checked19 Sep 2026
Where it wins
- Models retirement income, goals and progress toward them
- Lets users explore career breaks, lifestyle spending and investment changes
- Includes superannuation and Age Pension income
Where it doesn't
- Designed as an educational tool, not personal financial advice
- Does not verify withdrawal planning or tax modeling
- No integrations are identified
Our verdict on Moneysmart Retirement Planner
For Australians weighing their retirement goals, Moneysmart Retirement Planner is a free, web-based calculator from the Australian Securities and Investments Commission (ASIC). It estimates future retirement income, helps users check whether they are on track, and supports planning around superannuation, Age Pension income and other income. The planner is intended as an educational tool rather than a source of personal financial advice, so it is suited to exploring possibilities, not replacing advice tailored to an individual’s circumstances.
Its most useful strength is scenario exploration. Users can account for career changes and breaks, lifestyle goals that require additional spending, changes in investment choices and regular income. That lets people examine how different assumptions may affect projected retirement income and progress toward goals. The published Free plan provides the web-based calculator, retirement income estimation and scenario exploration; there are no paid tiers to weigh against those capabilities. The product’s focus is on modeling retirement income and choices rather than broader financial-planning workflows.
Moneysmart is a reasonable fit for people who want an accessible starting point for considering Australian retirement income, especially where superannuation and Age Pension are central to the picture. It is a less suitable choice for anyone needing personal financial advice, or a planner centered on withdrawal planning, tax modeling or connected financial accounts. Treat its outputs as educational estimates to inform further planning, rather than a recommendation about what to do with savings or investments.
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Moneysmart Retirement Planner pricing
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Moneysmart Retirement Planner fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Income projection | Yes |
| Savings growth projection | Yes |
| Withdrawal planning | Not verified |
| Tax modeling | Not verified |
| Social Security modeling | No |
| Scenario analysis | Yes |
| Account synchronization | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Pricing | Free plan (source) |
| Website | moneysmart.gov.au |
| Facts checked | 19 Sep 2026 |
Alternatives to Moneysmart Retirement Planner
- BoldinA guided retirement plan with detailed projections, plus a free tier to get started.9.4
- Fidelity Planning & Guidance CenterA free planner with tax, Social Security, withdrawal and what-if analysis.9.3
- MaxiFiDeep lifetime and retirement planning across web, desktop, and mobile for an annual fee.9.2
See all Moneysmart Retirement Planner alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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