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Start building · one connected retirement picture

Now let’s get real.

You already have a starting forecast. Now refine it with the real accounts, holdings, income and spending that make up your plan, every change redraws the picture.

Net worth

Your shared financial picture

Super

combined current balance

Assets

0 items

Liabilities

deducted from net worth

Usable income after tax

current spendable household income

Recommended workflow

Build your plan

Open any step

Every number you add makes the forecast more personal.

People & retirement

Private hospital cover iChoose No if your household has no private hospital cover. Then, when your income for the Medicare levy surcharge is over the threshold, the plan adds the surcharge to your tax: 1% to 1.5% of taxable income. 2026-27 thresholds: $105,000 single, $210,000 for a couple (combined). A couple both need cover. Extras-only cover does not count, and the hospital policy’s excess must be $750 or less (single) or $1,500 or less (couple or family).

How long to look into the future iHow far ahead the plan works out your money. Short is 15 years and Medium is 30 years. Max runs until the younger of you/partner turns 92, the period ASIC uses for retirement estimates. All plans stop once the younger of you/partner reaches 92, and every plan runs at least 5 years. A longer period shows whether your money lasts if you live longer.

All plans stop once the younger of you/partner reaches 92.

You

Current age

Birth month iYour birth month is used for:
• The Age Pension starts in the month you reach 67.
• The seniors tax offset applies from the financial year you reach 67.
• A transition to retirement pension starts in your birthday month.
• Retirement and super drawdown happen in your birthday month, unless you choose another Retirement month or Drawdown month.
Not set: every birthday is treated as 1 July.

Retire at

Retirement month iYour retirement month is used for:
• Salary stops that month. That year's salary is cut to the months worked.
• A transition to retirement pension stops then (or at 65, if sooner).
• Super drawdown can start from then (from 60). Before 65 it never starts before you retire.
It is the first time that month comes round on or after the birthday you reach the retirement age: retire at 64 in December means the first December after your 64th birthday. Birthday month: you retire on your birthday.

Super drawdown from

Drawdown month iYour drawdown month is used for:
• The financial year your super pension starts. In the plan, your super moves into the pension at the start of that year.
• That first year's minimum payment is cut to the months left in the financial year (none if it starts in June).
It is the first time that month comes round on or after the birthday you reach the drawdown age, and before 65 never before you retire. Same as retirement: the retirement month (or the birthday month if that is not set).

Transition to retirement

Partner

Current age

Birth month iYour partner's birth month is used for:
• The Age Pension starts in the month they reach 67.
• The seniors tax offset applies from the financial year they reach 67.
• A transition to retirement pension starts in your partner's birthday month.
• Retirement and super drawdown happen in your partner's birthday month, unless you choose another Retirement month or Drawdown month.
Not set: every birthday is treated as 1 July.

Retire at

Retirement month iYour partner's retirement month is used for:
• Salary stops that month. That year's salary is cut to the months worked.
• A transition to retirement pension stops then (or at 65, if sooner).
• Super drawdown can start from then (from 60). Before 65 it never starts before they retire.
It is the first time that month comes round on or after the birthday they reach the retirement age: retire at 64 in December means the first December after their 64th birthday. Birthday month: they retire on their birthday.

Super drawdown from

Drawdown month iYour partner's drawdown month is used for:
• The financial year their super pension starts. In the plan, their super moves into the pension at the start of that year.
• That first year's minimum payment is cut to the months left in the financial year (none if it starts in June).
It is the first time that month comes round on or after the birthday they reach the drawdown age, and before 65 never before they retire. Same as retirement: the retirement month (or the birthday month if that is not set).

Transition to retirement

Planning

Home ownership

Living budget / year

This is the same living-spending budget used in Spending / Budget. It starts from the current year and is shaped over time in Spending / Budget. Loan repayments are added separately by the plan. All amounts are in today's dollars.

Home ownership is inferred from a home asset until you override it here. Retirement age determines when salary stops and, by default, when retirement-phase super begins. The living budget above is the same budget used in Spending / Budget and starts from the current year. You can change the total here or shape individual spending categories over time there. Loan repayments are kept separate and added by the plan. Pension timing can be adjusted in PlanLens.

LIVE PLANLENS RESULTYour plan at a glance

Net worth$0Your shared financial picture

Super$0combined current balance

Assets$00 items

Liabilities$0deducted from net worth

Usable income after tax$0current spendable household income

Your plan inputs

Review the key areas that feed your plan.

Age Pension timing: entitlement is calculated from that year's opening assessable assets. Raising the spending target does not increase the same-year pension. If higher spending draws super down faster, assessable assets can be lower in later years and the Age Pension can then rise.

THE BIG PICTURE · FINAL REVIEW

See where the money goes, and what it becomes.

Bring income, household commitments, cashflow and investment growth together in one final view.

Income$0after tax

Commitments$0spending + loans

Cashflow$0surplus / shortfall

Growth$0separate from cashflow

SET UP ONCE · USE EVERYWHERE

Statements & accounts

Optional · not required

Import statements only if you want less data entry and richer real-world history across Assets, Shares and Spending/Budget. You can enter everything manually instead.

How much to upload: 1 to 2 years of statements. Your budget uses the latest 12 months; more years add history for comparison, and for Shares, more years of past returns.

Your statements are read on your deviceStatement files are processed locally in your browser and are never uploaded. Optional extras send only what they need: AI categorising sends cleaned merchant names.

The statement importer has been tested with statements from a small number of major banks and brokers. Other bank and statement formats can be added on request. Portfolio statements are harder to read than bank statements, so check imported holdings and dividends.

Pre-fill balances and current holdings from real statements.
Build spending, loan and cashflow history from imported evidence.
Capture dividends, distributions and portfolio return history.

0accounts identified

0statements loaded

0need a nickname

Plan workflow

Each numbered step feeds the same household forecast. Fill them in, test how changing markets affect the outcome, then review your Plan.

People & retirement

Who the plan is for, current ages, retirement ages, home ownership and your living budget.

Anchors the whole forecast

feeds everything

Assets and liabilities7

Bank accounts, super, home, property, vehicles and liabilities.

Add what you have, the icons light up as you build.

feeds net worth

Shares: returns and dividends

Past returns and dividends for your shares, ETFs and funds, and the dividend calendar for the next 12 months. Build holdings once; values and income flow through.

No holdings yet

feeds assets + cashflow

Income

Current household income sources. Loan repayments are treated as liabilities and spending obligations, not income.

$0 / yr

Start with salary or other income

auto-linked

Spending / Budget

Fill the big categories directly, let SpendLens autofill them from real spending, or start from one annual number.

$0 / yr

One budget · easy shortcuts

feeds PlanLens

Pension

See where you sit on the Sweet Spot curve and which test binds.

Not calculated

Uses age, assets and income

feeds PlanLens

Rate of Return & Plan Confidence

What-if analysis for market fluctuations and sequence-of-returns risk. Set returns over time, stress-test bad markets, and see how sure your plan is.

Review return assumptions

Stress tests + Plan Confidence (200 to 1,000 runs) Plus

stress-tests Plan

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Account

Licence manager

Accounts

Now let’s get real.

Your plan inputs

Plan confidence

See where the money goes, and what it becomes.

Statements & accounts

Plan workflow

People & retirement

Assets and liabilities7

Shares: returns and dividends

Income

Spending / Budget

Pension

Rate of Return & Plan Confidence

Plan

PlanLens is checked twice.

How the pieces fit together.

Plan income, cashflow & investment growth

Dividend income by month

Household income and spending by month

Assets and liabilities