The Long Weekend Plan
Understand exactly where you stand in retirement.
Independent tools, free to start, that model Australia's retirement system the way it really works: super, tax, investments, Centrelink and the Age Pension, together, year by year.
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Three questions, three tools
Start with the question you have.
The Long Weekend Plan
Will my money last?
Your whole household modelled year by year: super, tax, the Age Pension, shares, cash, property and loans. Test decisions like downsizing, paying off the mortgage or selling an investment property.
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SpendLens
How much do I really need?
Your living costs worked out from your own bank statements, plus the portfolio that funds them and its real return. Your statements never leave your computer.
Open SpendLens →
PensionLens
Where do I sit on the Age Pension curve?
The means-test curve for your situation, with gross and after-tax income, and how much more you can earn before your pension is reduced.
Open PensionLens →Prefer Excel? The Spreadsheet Planner and Spreadsheet Tracker cover the same ground.
The problem
Most retirement calculators give different answers.
They simplify tax, leave out how Centrelink and super affect each other, and assume nothing changes over time. So the answers disagree, and you can't see why.
Why this is different
- Independent. No products promoted, no ads, no commissions.
- Transparent. Built on Australian legislation at 2026-27 rates where published, with every rule written down.
- Checked. The planner is cross-checked against an independent spreadsheet model across hundreds of scenarios.
- Scenarios, not fixed answers. Change an assumption and see what follows.
Your privacy
Your plan stays on your device.
The calculations run in your browser. Your plan and statements are not saved on our servers. You can try the planner without signing up; if you choose a free account, we keep your email address and a short account record. There is no advertising or tracking, we never sell your information, and we take no commissions or referral fees.
Who it's for
- People approaching or in retirement
- DIY and analytical investors
- Anyone checking the advice they've been given
- Anyone tired of calculators that disagree
From the books
Built from two books and a community.
The tools grew out of The Long Weekend and A Practical Guide to Australian Superannuation, and are refined with the My Super Future community on Facebook.