Australian retirement forecasting

See your retirement
clearly.

Harbour runs 1,000 simulated futures based on your super, salary, and spending — including Centrelink Age Pension. No spreadsheets. No guesswork.

Run my forecast How it works

Free to use · No financial advice · Projections only

Karen's forecast
Retire at 65 · $420k super today
Generated
$1.1m
Super at 65
$107/fn
Age Pension
87
Funds to age
Best case
Median
Worst case
Centrelink-integratedAge Pension calculated automatically
Current ATO & ASFA figuresUpdated each March and September
Built for AustraliansSuper rules, drawdown rates, and all
1,000 simulationsMonte Carlo modelling to age 90
How it works

Three steps to your forecast

No account needed to start. Your first forecast takes under two minutes.

01
Enter your details

Your age, current super balance, salary, planned retirement age, and how much you'd like to spend each year. Takes about 90 seconds.

02
We run the numbers

Harbour runs 1,000 simulations using your inputs plus current Centrelink rates, ATO super rules, and ASFA retirement standards.

03
See your results

Best, median, and worst-case projections. Your likely Age Pension. A plain English summary of what it all means for your retirement.

What you'll see

Real answers, not round numbers

Monte Carlo projection chart
Three outcome bands — optimistic, median, and pessimistic — plotted from today to age 90. See the range of realistic possibilities, not just a single number.
Super balance at retirement
The median projected balance when you stop working, based on your current super, salary, SG contributions, and compound growth.
Centrelink Age Pension estimate
Calculated using the assets test and income test (deeming rules). Shows your fortnightly entitlement — the way Centrelink reports it.
Age your money lasts to
Best, median, and worst case. Tells you how likely your savings are to last through retirement at your target spending level.
Plain English summary
No jargon. Just a clear paragraph explaining what your forecast means and whether you're on track for the retirement you have in mind.
Sample forecast result
Super at retirement (age 65) $1,090,000
Age Pension (fortnightly) $107 /fn
Funds last (median) to age 87
Funds last (pessimistic) to age 81
"In the median scenario, your super lasts to age 87 — well beyond average life expectancy. Even in the pessimistic scenario, your funds reach age 81, with the Age Pension continuing throughout."
Free to run

Ready to see where
you actually stand?

Your first forecast takes under two minutes. No spreadsheets, no adviser, no obligation.

Run my forecast
This website is for general information purposes only and does not constitute financial advice. Results are projections based on modelled assumptions and are not guaranteed. Centrelink rules and superannuation laws change regularly — always verify your personal entitlements with Services Australia or a licensed financial adviser before making retirement decisions.