Calculators & Projection Tools

Maths implemented with a convenient calculator interface can assist with many issues. These calculators are supplied by NetActuary, a firm of consulting actuaries specialising in SMSF computational tasks, ASIC via the Money Smart website, and one from the ATO.

Pre Retirement

Superannuation Projection Calculator  

This is ASIC's superannuation projection calculator. It allows you to input a number of variables such as your average return and the fees of your fund, and it will calculate how much you will end up with in your super fund. It can also compare two funds at once.

Government co-contribution Calculator  

This link goes to the ATO's website, where this calculator will work out for you how much of the Government co-contribution you would be entitled to based on your own level of contributions and your income.

Transition to Retirement Calculator 2010/11
This calculator tests each drawdown percentage in 0.05% step to determine which one produces the greatest increase in the fund balance, i.e. the smallest tax impost.

Longitudinal TTR Calculator 2010/11
This calculator shows the tax efficiency of a transition to retirement strategy net of supplementation of income needs. There is a separate report for TTR used as part of a retirement income adequacy plan, in addition to tax optimisation tool.

Post Retirement

Retirement Planner Calculator  (Pre & post retirement all in one)

This is ASIC's retirement calculator, which works out how much you could save in your super until you retire. Once you retire, it assumes you don't contribute any more to super. So then it works out how much you can draw out of your super in retirement. Finally, it works out how much of the government age pension you may be able to receive. Awesome all-in-one calculator !!!

Income Stream (SMSF Pension) Calculator  

This is ASIC's "account based pension calculator". It shows you the level of income you can receive from a superannuation pension and how long it will last based on your inputs of returns and fees.

Income Stream (SMSF Pension) Minimum Required Pension Calculator
Calculates the minimum required for an account based pension.

Superannuation Capital Usage Forecaster
This calculator will estimate how long your targeted income level can be supported. This calculator is for the situation where both members are fully retired.

• Age Pension Calculator
  Calculates an estimate of Centrelink age pension entitlements.

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• Age Pension Optimiser Calculator

  It is possible to draw down capital in retirement over the same duration in many different ways. Each of these ways will have ramifications for Centrelink Age Pension entitlements in the years ahead except for individuals already on the maximum pension. This Calculator will enable quick and convenient evaluation of what your future Centrelink entitlements are likely to be.

• Survivorship Calculator

Calculates both single and joint life survival probabilities.

• Life Expectancy Progression Calculator
  With the passage of time, the anticipated age at death will slowly rise for those individuals who have survived. e.g.a life expectancy of age 85 at age 65 will have progessed to age 87 if they actually reach age75.
  

  
  
  

  Administration
  

• Anti Detriment Calculator
  This calculator can be used for a fully funded accumulation fund utilising the ATO 2010/5 formula approach to quantify potential anti detriment payment and tax deduction.

Year End Allocations

This calculator is for simple year end accumulation account earnings and expense allocations. It uses a uniform cashflow assumption.

Investment Management

SMSF Property Loan with Limited Recourse Loan Calculator

This calculator can be used to investigate whether it would be more beneficial to hold an investment property in a SMSF or directly. It can also be used as a stand alone calculator for either holding structure.