Superannuation Projection Simulator (AU)

Prepared as an interactive simulator for planning only. As at: 23 August 2025 (Australia/Sydney). Results based upon methodology in the associated simulator User Guide and Rules and Compliance documentation — not tax or financial advice. Laws can change — always check the ATO links.

Your DOB (YYYY-MM-DD)

Spouse DOB (YYYY-MM-DD)

Starting Age (you)

Years

Existing Super Balance (you) $

Spouse Opening Super $

Return % p.a. (YOU — gross)

Return Schedule (You) CSV — year:rate%Optional. Overrides base/presets for the specified years. Use comma/newline. Percent sign optional; negatives allowed.

Return % p.a. (SPOUSE — gross)

Return Schedule (Spouse) CSV — year:rate%Optional. Overrides base/presets for the specified years. Use comma/newline. Percent sign optional; negatives allowed.

Administration fee % p.a.

Administration fee $ p.a. (fixed)

Pension Start Year (You)

Spouse Pension Start Year

Apply ATO Min Pension?

Min Pension Basis

NCC per Person (default) $

NCC Years (e.g. 1,4,7)

Use Spouse?

NCC Schedule (You) CSV — year:amount

NCC Schedule (Spouse) CSV — year:amount

Downsizer Enabled?

Downsizer Event Year

Downsizer Amount per Person

CC per Person $/yr

Use CC Carry-Forward?

CC Schedule CSV (e.g., 1:15000,2:30000)

NCC funding source (uniform) Applies to all scheduled NCCs. Overrides the loan toggle.

Loan Interest Rate % p.a.

Include Buffer for New Draws?

Buffer First Draw Only?

Buffer Mode

Pay Loan Interest From Super?

Principal Repayment CSV (year:amount)

Repay Loan in Final Year?

Annual Withdrawals (living)

Extra Spend when Spouse ≥ 60

Min Spend Floor (optional)

Commence Pension AFTER Contributions (same FY)?

Auto-sweep post-commencement to pension (same FY)?

Withdrawal order

Preset scenarios

Super Balance (end of last year)

–

Super Contribution (total)

–

Active Loan (end of last year)

–

Interest on Loan (total)

–

Net Wealth Δ vs Y0 (Before Loan Repaid)

–

Net Wealth Δ vs Y0 (After Loan Repaid)

–

Super End Balance (total), Active Loan (annual) & Net Wealth Δ vs Y0 (After Loan Repaid) SuperLoanNet Δ

Year & Age				Super								Loan						Spending				Results							Applied Return		Notes
Year	Age	Spouse Age	NCC Eligible (You/Sp)	Super Contribution (annual)	NCC from Personal (annual)	NCC from Loan (annual)	Super Contribution (total)	Super Interest Earnings (annual)	Downsizer	Super End (You)	Super End (Sp)	Equity Loan (drawn)	Buffer Added	Active Loan (annual)	Interest on Loan (annual)	Interest on Loan (total)	Principal Repayment (annual)	Min ATO Pension Requirement (annual)	Personal Spend (annual)	Personal Spend (total)	Interest Payment from Super (annual)	Actual Super Withdrawal (annual)	Admin Fee (percentage)	Admin Fee (fixed)	Admin Fee (total)	Super End (Total)	Net Wealth Δ vs Y0 (Before Loan Repaid)	Net Wealth Δ vs Y0 (After Loan Repaid)	Applied Return (You)	Applied Return (Sp)	ATO Status	In Pension (You/Sp)	Notes