Retirement Gap Analysis Calculator

*Required Field

Retirement savings gap illustration - Your details
Retirement income goal
	You
What income would you like each year (based on today's dollars)*	$
Personal details
Your gender M/F *	M F
Current age *
Preferred retirement age *
Superannuation details
Current super balance *	$
Tax-free components in super balance	$
Gross salary (pa) *	$
Employer SG contributions to super (pa) *	%
Salary sacrifice contributions (pa)	$
Salary sacrifice contributions (pa)	%
Personal after tax super contributions (pa)	$
Anticipated returns from super (pa)	%
Other investments
Current value	$
Extra savings invested (pa)	$
Anticipated investment returns (compounded) (pa)	%

Please press

Assumptions
General inflation
Rate of general inflation to be applied to calculations	%
Your income goal
Retirement income indexed each year by (pa)	%
Your superannuation
Employer SG contributions indexed each year by % (pa)	%
Salary sacrifice contributions indexed each year by % (pa)	%
Personal after tax contributions indexed each year by % (pa)	%
Investment income in super taxed at % (pa)	%
Your other investments
Other savings investments indexed each year by % (pa)	%
In retirement
In retirement the anticipated investment return is %pa	%
The income component of the investment return is %pa	%

This screen displays the default assumptions used. These can be changed. To see your results, press 'Calculate'

Retirement savings gap illustration
Client assumptions
Current age
Preferred retirement age
Retirement income goal
Likely Life Expectancy from retirement age (years)
Investment assumptions
Current super balance
Current employer contributions (includes salary sacrifice)
Personal after tax contributions
Years to retirement
Anticipated returns from superannuation	%
Estimated superannuation balance at retirement
Current balance of other investments
Extra savings invested (pa)
Anticipated investment returns	%
Years to retirement
Estimated value at retirement
Total retirement capital available
Calculations
Retirement capital required
Capital required to generate the required income for the term of the calculation
Conclusion
Total retirement capital available
Total retirement capital required

Are you likely to have enough capital



Assumptions:
This calculator assumes non-super investments have been redeemed just before retirement and disregards any capital gains tax. Proceeds are contributed to super and are used to commence an income stream.
Current superannuation contribution summary
Employer contributions after contributions tax (includes salary sacrifice contributions)
Personal after tax contributions
Total
Increase to approximately
Amount of increase required
If you need to increase your super savings, you can either make a personal after-tax contribution or the equivalent pre-tax salary sacrifice contribution.

Please press

Disclaimer

The results produced are based on a number of assumptions, including the continuation of current tax laws, and are therefore illustrative only. No representation or guarantee is provided regarding the future performance of any superannuation product.

The calculator is provided for your personal use and you may not otherwise copy, re-produce, licence, distribute or use the calculator for other purposes, without the prior written consent of Bridges.

This is general advice only and has been prepared without taking into account your particular objectives, financial circumstances and needs. Before making any decision based on this calculation, you should assess your own circumstances or consult a financial planner. To the extent permitted by law, Bridges will not be liable to any party for any loss or damage arising, either directly or indirectly, from the calculator. Further, Bridges does not make any representation or warranty about the accuracy of the results.

Assumptions