Retirement and generational-wealth planner
What you can live on, what the estate is worth when it passes, and what William and Charlotte each hold at that point — under any combination of levers.
Every figure is in today’s dollars
All future values are discounted back to September 2026 purchasing power at 2.5 per cent a year. A table that shows $16m in 2063 means $16m of today’s buying power; the nominal figure written in 2063 would be about 2.5 times larger.
Levers
Retirement age
2038
Annuity (a year, today's dollars)
Assumption set
Children's homes
Inheritance (Tina's mother's estate)
Hand-over at Patrick's 85 (2063)
Gifts from the pool (stress)
SMSF starting value
- Investable pool at 60
- $6.34m
- 2038 · house $6.48m
- Sustainable annuity
- $281k
- 4 per cent rule plus the pension
- Ceiling at 85
- $434k
- pool exactly exhausted at the hand-over
- Pool remaining at 85
- $9.7m
- never exhausted
What each child holds at the hand-over (2063) — Base case
$14.0m
= their home $4.4m + half the estate of $19.1m. William 56, Charlotte 52 that year.
Fixed deadline
Estate through the decades
Investable pool plus the family home, $m in today's dollars, on a $200k annuity, retiring at 60.
| Year and ages | Low | Base | High |
|---|---|---|---|
| 2038 · Patrick 60 · William 31 · Charlotte 27 · retire | 11.2 | 12.8 | 14.5 |
| 2048 · Patrick 70 · William 41 · Charlotte 37 | 11.4 | 14.8 | 19.0 |
| 2058 · Patrick 80 · William 51 · Charlotte 47 | 11.6 | 17.5 | 25.5 |
| 2063 · Patrick 85 · William 56 · Charlotte 52 · hand-over | 11.6 | 19.1 | 29.9 |
| 2068 · Patrick 90 · William 61 · Charlotte 57 | 11.7 | 21.0 | 35.3 |
Rows before retirement show the household still working (the accumulation path); the hand-over row is the estate that passes, split equally between the children. A red pool figure means the annuity has exhausted the pool.
Trajectory — retire at 60 and at 70
Solid blue: base case on $200k a year; dashed orange: base case on $250k; shaded: low–high range on $200k. The retirement age and other levers above apply; these two panels fix the retirement age for comparison.
Retire at 60 — 2038
Retire at 70 — 2048
Estate — investable pool plus home — in today's dollars, Patrick's age 60 to the assumed hand-over at 85 (2063).
Annuity guide and per-child position
The four plans of the briefing, all three assumption sets, with the current hand-over age and routing.
| Annuity guide ($k a year) | Low | Base | High |
|---|---|---|---|
| Sustainable, retire at 60 | $244k | $281k | $320k |
| Ceiling at 85, retire at 60 | $339k | $434k | $547k |
| Sustainable, retire at 70 | $327k | $424k | $534k |
| Ceiling at 85, retire at 70 | $655k | $919k | $1,247k |
| Per child at 2063 ($m) | Low | Base | High |
|---|---|---|---|
| Their home by then | 3.4 | 4.4 | 5.7 |
| Retire 60 · $200k — home + half estate | 9.2 | 14.0 | 20.7 |
| Retire 60 · $250k — home + half estate | 8.3 | 13.0 | 19.5 |
| Retire 70 · $200k — home + half estate | 10.9 | 16.3 | 23.7 |
| Retire 70 · $250k — home + half estate | 10.5 | 15.8 | 23.2 |
Assumption sets
Editable in the store file for now; the brief's values ship as defaults.
| Rate (a year) | Low | Base | High |
|---|---|---|---|
| SMSF to retirement (nominal, net) | 5.5% | 7.0% | 8.5% |
| HIQ earn-out invested (nominal) | 5.0% | 6.0% | 7.0% |
| Line of credit, net of interest (nominal) | 5.0% | 6.5% | 7.5% |
| House to retirement (nominal) | 3.0% | 4.0% | 5.0% |
| Investment return in retirement (real) | 3.0% | 4.0% | 5.0% |
| Growth of all homes in retirement (real) | 0.5% | 1.5% | 2.5% |
| CPI | 2.5% | 2.5% | 2.5% |
| MilSuper at 60 (nominal) | $830k | $920k | $1,090k |
| MilSuper growth 60→70 (nominal) | 4.5% | 5.5% | 6.5% |
| MilSuper pension (real, after tax) | $28k | $28k | $28k |
Caveats: a deterministic, single-path projection; sequence-of-returns risk, mixed retirement ages for Patrick and Tina, and detailed tax (including a possible Division 296 charge on super balances above $3m) sit outside it. Pre-retirement gifts are deducted from the pool compounded at the real return to the retirement date.
Analysis and modelling for discussion, not personal financial advice.