Future scenario - retirement projection

What might happen by retirement?

Edit the inputs to test weak, middle and strong paths. This is a range explorer, not a calculator that pretends to know the future.

Your inputs

Current optionCurrent balance (A$)Years until retirementAnnual contributions (A$)Return assumption (%)Fee assumption (bp)Show in real terms with 2.5% inflation adjustment

Caveat: Selecting an option pre-fills its current seed return and fee assumptions. You can edit both values to test sensitivity rather than treating any path as a forecast.

Projected range - real terms

Weak, middle and strong paths.

Stress pathA$234,513

Weak pathA$375,846

Middle pathA$510,244

Strong pathA$643,645

Weak

A$375,846

Middle

A$510,244

Strong

A$643,645

Current assumptions: A$220,000 starting balance, 3.5% return, 48bp fees, A$18,000 annual contributions over 15 years.

Range logic

Stress subtracts 8 percentage points from the return assumption, weak subtracts 3 points, middle uses the selected return and strong adds 2.2 points.

Fees

The fee assumption is deducted separately from the selected return input in the projection model.

Real terms

Displayed values include a 2.5% annual inflation adjustment.

Contributions

Annual contributions are model inputs before tax, contribution caps, insurance premiums and timing differences.