See when you can retire — and what needs to happen first.
Model your super, ETFs, property, mortgage and contributions in one Australian retirement plan — inflation-adjusted and stress-tested. Compare strategies side-by-side before you commit a single dollar.
- →Can I retire at 55?
- →Should I invest or pay down my mortgage?
- →How much do I need for financial independence?
- →Will my money last through retirement?
No sign-up required · Find your estimated retirement age in under a minute
When can you retire? Four numbers.
Needs about $2M invested at a 4% drawdown · 7% p.a. assumed return
Estimate only — the full plan models Super preservation age, CGT, mortgage and bridge years.
Estimate your retirement age with our free Australian retirement calculator.
Built to answer the questions that matter.
Most calculators show you a single number. AeroWealth shows you the decision.
Retire earlier — with proof
Solve for the earliest age your 4% withdrawal pool plus rental income can sustainably fund the lifestyle you want.
Compare life decisions
Overlay 'extra into super' vs 'pay down mortgage' vs 'buy investment property' on one chart — see the dollar cost of each path.
Know if your plan actually works
Model inflation, CGT, preservation age and offset interest savings. Stop guessing whether your spreadsheet is right.
Stress-test your financial future
What happens if markets return 5% instead of 8%? If property growth slows? If you take 2 years off? Find out before it matters.
See the probability, not just the projection
The Pro Retirement Stress Test runs up to 25,000 Monte Carlo market sequences over your exact plan: modelled probability of success, sequence-of-returns and crash scenarios, retirement-age and spending sweeps, and your own sustainable withdrawal rate — with a percentile fan chart instead of a single line.
Understand your retirement income
See the actual annual income your plan produces in today's dollars — not just a vague net worth number at 65.
Bridge the gap to Super at 60
Retiring before preservation age? Bridge mode locks Super until 60 and funds the gap from ETFs, cash and (optionally) offset — so you know your early-retirement years actually work. Included free.
Stay on your Flight Path
Log a 60-second monthly check-in. A live status dot shows whether you're ahead or behind plan, every month.
Hit Coast, Lean & Full FIRE
See the exact age you reach Coast FIRE (stop contributing and still retire on time), Lean FIRE (70% of target spend) and Full FIRE — all computed by the same engine as your projection, not a napkin formula.
Coast FIRE, Lean FIRE, Full FIRE — pinned to your real projection.
No 25× spending shortcut. AeroWealth reruns your full Australian projection — CGT, mortgage, offset sweeps, Super preservation age and bridge years — to pin the exact age you hit each FIRE milestone.
Stop contributing — coast to retirement
The age your existing balances alone (no more retirement investing) still grow enough to fund your planned retirement date.
Retire on 70% of target spend
The earliest age a leaner lifestyle is fully funded through end-of-plan — bridge years, CGT, Super preservation and all.
Retire on your full target
The earliest age your target annual spend is sustainable across every projected year — computed by the same engine as your main projection.
Ask why the numbers move — in plain English.
The AeroWealth Assistant reads your active scenario and projection, then explains any figure you point at — CGT, bridge years, offset sweeps, Super drawdown, achievable retirement age. Grounded in your data, tuned for Australian rules.
- ✓ Scenario-aware — knows your inputs and yearly projection
- ✓ Australian focus — Super, CGT, 2027 reform, offset accounts
- ✓ Free tier: 15 questions/mo · Pro: 200 questions/mo
- ✓ Floating chat button on every page — mobile, tablet, desktop
The biggest financial decisions, side-by-side.
Clone your baseline, change one lever, and overlay the trajectories. No other tool in Australia lets you do this in 30 seconds.
Designed around how Australians actually build wealth.
Superannuation
Preservation age, employer + salary sacrifice contributions, separate growth assumption.
Property & mortgage
P&I or interest-only, linked offsets, multiple properties, rental income.
ETFs & portfolios
Monthly contributions, separate growth rate, cost-base tracked for CGT.
Inflation assumptions
Real (today's dollars) projections so the numbers actually mean something.
Capital gains tax
Estimated CGT on the gain portion when investments are sold in retirement.
Retirement income
4% withdrawal solver plus rental income, in today's dollars.
Vehicle & car loans
Amortised car loans with balloon payments — repayments redirect to your chosen asset once paid off.
Bridge to preservation age
Retire before 60? Bridge mode (free on every plan) locks Super and funds the gap from ETFs, cash and (optionally) offset until age 60.
Monte Carlo stress testing
Pro: thousands of correlated market sequences across super, ETFs, cash and property — probability of success, depletion ages and percentile outcomes.
For anyone making a real financial decision.
Retirement planners
Approaching 50s and need to know if your current plan actually gets you there.
FIRE enthusiasts
Solve for the earliest sustainable FI age across multiple strategies.
ETF investors
Project the long-term outcome of monthly DCA into your index portfolio.
Property investors
Model multiple properties, offsets, and IO-to-P&I switches over decades.
Families building wealth
Make the call: extra mortgage repayments, super, or investing for the kids?
What a real projection looks like.
A typical Australian couple, modelled in under five minutes.
Illustrative only. Your projection uses your actual assets, contributions, growth rates and inflation assumptions.
From spreadsheet chaos to clarity in minutes.
Declare your assets & target income
Properties, mortgages, offsets, car loans, ETFs, super, cash and the annual retirement income you want — in today's dollars.
Compare scenarios side by side
Clone your baseline, change one lever, and overlay the trajectories on a single chart.
Track your real progress monthly
Log a 60-second check-in. Your real wealth appears as a live dot against your Flight Path.
"Finally I can stop guessing whether to pour money into super or pay the mortgage down. The overlay chart settled it in 30 seconds."
"First tool that actually models my offset, my super and my investment property in one place. Replaced four spreadsheets."
"Seeing my retirement age move from 62 to 56 when I changed one assumption was the wake-up call I needed."
Stop guessing. See your future wealth in minutes.
Test every scenario before you commit. Find out — with real numbers — whether your current plan actually gets you to the retirement you want.