Learn
Understand the numbers
before you decide.
Short guides and worked examples about budgeting, time away from work and retirement.
Short guides
Everyday money
What’s left after your bills?
Allow for both monthly costs and yearly bills.
Read the guideCareer breaks
Can you afford a career break?
Include the wait for your next salary, not just the time off.
Read the guideRetirement
How to compare retirement dates
Understand the inputs and what the results mean.
Read the guideExamples and explanations
Worked example
Retire at 50 or 53?
Follow one fictional plan, from its inputs to its difficult-market results.
Read the exampleRetirement risk
Why the order of returns matters
How withdrawals change the effect of market falls.
Read the articlePlanning for uncertainty
A retirement plan that can take a punch
How spending flexibility and reserves affect a plan.
Read the articleFinancial ratios
Screening is the beginning, not the conclusion
What filters reveal—and what needs further research.
Read the articleReady to try your own numbers? Explore the tools.
For assumptions and limitations, see how the calculations work. Educational information, not personalised advice.