Australian superannuation & retirement, explained plainly

How long could your super actually last?

Plug in your numbers and see roughly the age it could run out — then see what changes if you spend more, retire a year later, or the market has a bad year.

Free to use. Your numbers stay in your browser.

Takes about 2 minutes. Educational tool, not financial advice.

Illustrative example — current as of July 2026
Jane Citizen’s super balance, age 60 → 90
Runs out:age 84
Age 60 — starts drawing downAge 90
The problem

Super statements are full of numbers. Not many of them answer your actual question.

What you usually get

  • “Your fund returned 7.2% p.a. net of fees”
  • A PDF with 40 pages of disclosure
  • A $300/hr adviser meeting to ask one question
  • Calculators that assume you already know the jargon

What Glidma Retirement shows you

  • “Your money runs out at age 84 — here's why”
  • The dollar cost of every choice, right next to the percentage
  • A plain-language scenario you can explore yourself, free
  • Every figure dated, sourced, and flagged if it may need reconfirming
Three ways to see your super clearly

Pick the question closest to your own situation.

Illustrative examples below, current as of July 2026 — from the same calculator you can try with your own numbers.

Your super balance over time
More$0
Age 60: super opens up
TodayLater in life
Growth
Bridging
Drawdown
Working, building super
Waiting to access super
Living off super
Not to scale. For most people, super becomes accessible from age 60.
Growth

How much could my super be at 60?

Still working? Project your balance forward.

John is 35 with $150k and adds $10k a year. At 7% a year, that could grow to about $1.35M by 60.

See your scenario →
Bridging

Will my savings last until I can access super?

Stopped work early? See if savings cover the gap.

Alex stops work at 57 with $180k saved and needs $35k a year from it. By 60, about $75k is left.

See your scenario →
Drawdown

Will my super last?

Retired or close? See the age it could run out.

Jane spends $15k a year and her super runs out at 84. Spend $14k instead and it lasts to 89.

See your scenario →
Under the hood

Not just a rough guess — every scenario accounts for the real-world stuff that changes the answer.

✓Adjusts for inflation

See what your balance looks like once rising costs are factored in, not just today's dollars.

✓Tests a bad market

Stress-test your scenario against a downturn year, not just the average-case return.

✓Explained as you go

Tap the ? beside a slider to see where its starting number comes from and how to find your own.

✓Adjust the assumptions

Change the inflation and downturn rates to see how a cautious or optimistic view shifts your result.

Trust & scope

What Glidma Retirement is — and isn’t.

Educational, not advice

Glidma Retirement is a scenario tool to help you understand your options. It doesn't know your full financial picture and isn't a substitute for an independent licensed financial adviser.

Every figure, dated and sourced

Super and pension rules change every 1 July. Every number you see carries a "current as of" date and a source — and we flag anything that may be due for reconfirming.

Dollars over percentages

If a screen shows a percentage, it shows the dollar amount right next to it. If a choice has a cost, we show what that costs you — in dollars you'll actually see in your account.

Your data stays yours

Your figures are used only to calculate your scenario. They are not sold, licensed, or shared with insurers, funds, or advertisers — including as aggregated or de-identified data.

See how long your own super lasts — takes about two minutes.

Free to use. Your numbers stay in your browser.

See your scenario