Retirement planning tools
A collection of self-serve tools — the retirement cash-flow simulator, time-value comparison and opportunity-cost comparison — to help you work through each part of retirement planning.
Retirement cash-flow simulator
Enter each of four savings accounts — monthly contribution, current balance and expected return — to simulate how long your reserves could last.
The time value of starting early
At the same rate of return, starting early versus starting late can produce very different outcomes. Enter assumptions to compare two starting points.
The opportunity cost of where you save
The same monthly saving placed at different assumed rates of return grows very differently — that gap is the opportunity cost.
Self-serve tools
| Tool | Use | Where |
|---|---|---|
| Retirement cash-flow simulator | Estimate how long your reserves could last | On this page, above |
| Time value of starting early | Compare starting to save early versus late | On this page, above |
| Opportunity-cost comparison | Compare the same monthly saving at different rates | On this page, above |
| Retirement calculator | Estimate your savings target and current gap | Retirement calculator page |
All results are indicative only, not personalised advice; the rates in the tools are illustrative assumptions and do not represent the actual or guaranteed return of any product.
Related reading
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