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Moneysmart Retirement Planner
What Moneysmart Retirement Planner is
Moneysmart Retirement Planner is a free web calculator for estimating retirement income and reviewing progress toward retirement goals. It helps users build a retirement plan by modeling changes such as career moves or breaks, lifestyle goals, investment choices and regular income. Users can compare retirement income under different scenarios and project savings growth; the planner can also estimate Centrelink entitlement. When finished, users can download their results. Moneysmart describes its guidance as intended for Australians at any stage of life and says it does not provide personal financial advice. The planner is on a Federal Government website brought to users by the Australian Securities and Investments Commission. ASIC cautions that calculator outputs illustrate scenarios and should not replace professional advice. Moneysmart says its site follows the Australian Privacy Principles and federal website guidelines, and describes safeguards including firewalls, security patches, regular security testing and data encryption. There is no call centre; comments and complaints can be sent through the page feedback form.
Who it suits
It suits Australians who want to explore retirement income and savings growth under different career, lifestyle, investment and income assumptions. It is a planning calculator rather than personal financial advice, so its scenarios should be considered illustrative.
What it does well
- Free to use on the web.
- Models career changes and breaks, lifestyle goals, investment choices and regular income.
- Projects retirement income and savings growth.
- Can estimate Centrelink entitlement.
- Lets users download results when finished.
What to know first
- Available as a web planner rather than a listed app platform.
- Calculator results are not a substitute for professional advice.
- There is no call centre for support.
Limits
The planner is free. Its calculations illustrate scenarios and are not personal financial advice.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | Retirement planning calculator | Free |
As moneysmart.gov.au lists them, read 9 Oct 2026. The maker's own page has the final word.
Getting started
- Open the Moneysmart Retirement Planner website.
- Enter assumptions for your retirement plan.
- Add relevant career, lifestyle, investment or income scenarios.
- Review the income and savings projections, then download the results.
Verdict
Choose Moneysmart Retirement Planner to compare retirement scenarios, estimate income and savings growth, and download the results without paying. Look elsewhere if you need personal financial advice or call-centre support.
Questions
How much does Moneysmart Retirement Planner cost?
It is free to use.
What can the planner estimate?
It estimates retirement income under different scenarios, projects savings growth and can estimate Centrelink entitlement.
Can I change assumptions in a scenario?
Yes. Scenarios can include career changes or breaks, lifestyle goals, investment choice changes and regular income.
Can I download my results?
Yes. Users can download results when they finish.
Does it provide personal financial advice?
No. Moneysmart says it does not provide personal financial advice, and ASIC says calculator results should not replace professional advice.
How can I contact support?
Moneysmart has no call centre and directs users to its page feedback form for comments or complaints.
Facts from Moneysmart Retirement Planner's own pages
- Advice limitation
- ASIC says its calculators illustrate scenarios and their results should not be treated as a substitute for professional advice. · moneysmart.gov.au, 9 Oct 2026
- Audience
- Moneysmart says its guidance is for all Australians, whatever their situation or stage of life. · moneysmart.gov.au, 9 Oct 2026
- Download results
- The translated planner page says users can download their results when they finish. · moneysmart.gov.au, 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, 9 Oct 2026
- Not financial advice
- Moneysmart says it does not provide personal financial advice. · moneysmart.gov.au, 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, 9 Oct 2026
- Provider
- Moneysmart is a Federal Government website brought to users by the Australian Securities and Investments Commission. · moneysmart.gov.au, 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, 9 Oct 2026
- Retirement income
- The planner can estimate retirement income under different scenarios. · moneysmart.gov.au, 9 Oct 2026
- Scenarios
- Users can add career changes and breaks, lifestyle goals, investment choice changes and regular income. · moneysmart.gov.au, 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, 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, 9 Oct 2026
Where Moneysmart Retirement Planner stands on Freedom251
- Retirement Planning Software#11 of 26