How long will your ETFs last in retirement?
Enter your balance, your age and the ETFs you hold. See the income your ETFs could pay, the franking credits, and how long your money could last at the spending you want.
About you
Your retirement savings and the income you want from them.
Your ETFs
Pick a ready-made mix to start, then change the percentages, remove funds, or add the ETFs you actually hold.
See your results
Your income, franking credits and how long your money could last.
How the calculator works
We split your balance across your ETFs and use each fund's distribution yield over the past 12 months and its level of franking to estimate your income. For growth we use long-term assumptions for each asset class. Each year we take out your spending (rising with inflation), or the legal minimum pension drawdown if that's higher, and grow what's left.
The three lines show what happens with average returns, and with returns 2% a year lower or higher. Real markets don't move in a straight line, and a big fall in the first few years of retirement can make money run out sooner. That's why many retirees keep one to three years of spending in cash.
