SimplifiedRetirement
Super & Age Pension Planner
$9.99
Stop Guessing Your Retirement. Take Control of Your Financial Future.
Retirement planning shouldn't feel like deciphering an ancient code. Between shifting superannuation contribution caps, Centrelink Age Pension means tests, deeming rules, and preservation ages, figuring out whether your money will last can feel overwhelming.
Meet Simplified Retirement—the interactive planning and diagnostic tool designed to take the stress and uncertainty out of your financial future. Whether you are a decade away from leaving the workforce or actively preparing to transition to retirement, Simplified Retirement gives you the clarity, tools, and confidence to build a secure lifestyle.
Why Simplified Retirement Changes Everything
Most financial apps offer vague projections or clunky spreadsheets that leave you with more questions than answers. Simplified Retirement transforms complex legislative rules and financial logic into a clear, personalised narrative tailored precisely to your household.
1. Instant Readiness Scoring & Clear Metrics
Know exactly where you stand in seconds. Our dynamic Readiness Score breaks down your retirement trajectory into three actionable pillars:
Duration: Track the exact percentage and number of years of your retirement horizon that are fully funded.
Adequacy: Measure your projected annual income directly against your target lifestyle expenditure.
Resilience: Understand your capital buffer and preserve wealth for your complete horizon.
2. Comprehensive Superannuation & Tax Modelling
Understand every dollar flowing into your wealth pool. Model the real impact of key strategies:
Employer Contributions: Track Superannuation Guarantee (SG) growth at 12.0%.
Concessional Caps: Identify your remaining concessional cap limits (up to $32,500) and analyse the tax benefit of salary sacrifice (15% contribution tax versus your marginal tax rate).
Couples & Household Wealth: Factor in your partner's age, income, and superannuation balance to model true household cash flow.
3. Integrated Centrelink Age Pension Engine
Stop guessing what Centrelink will pay you. Our built-in engine models both the Assets Test and Income Test simultaneously:
Identifies your binding test and calculates your exact free area thresholds.
Applies official deeming rates accurately to differentiate deemed income from actual cash draws.
Evaluates homeowner versus non-homeowner rules to project your exact entitlement at age 67.
4. Interactive "What-If" Scenario Testing
Dynamic sliders allow you to test key financial decisions in real time:
What if you work one or two extra years?
What happens if you boost your salary sacrifice by $200 a fortnight?
How does changing your target retirement age or investment risk profile alter your capital exhaustion age?
Watch your overall Readiness Score update live as you fine-tune your inputs.
5. Professional "Ready-to-Share" Diagnostic Briefs
Preparing for a financial adviser appointment or a visit to Services Australia? Don't pay thousands of dollars in preliminary advice fees just to collate your numbers. Simplified Retirement generates a structured, professional Pre-Advice Diagnostic Brief. This exportable document outlines your assumptions, legislated rates, means-test calculations, and key strategic questions—making your professional consultations faster, cheaper, and far more productive.
6. Strategic Literacy Milestones
Knowledge is key to financial security. Track your understanding with guided learning modules:
Deeming Decoder: See how deeming rules differ from your actual income draws.
Age Pension Analyst: Uncover where your asset thresholds sit.
TTR Strategist: Master Transition-to-Retirement strategies.
Consolidation Champion & Risk Realist: Model the true effect of fees and see your indicative worst-year downside risk in actual dollar terms.
Ratings & Reviews
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UI updates
The developer, ADEKUNLE OLUWATOYIN FREEMAN, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- ADEKUNLE OLUWATOYIN FREEMAN
- Size
- 5 MB
- Category
- Finance
- Compatibility
Requires iOS 26.5 or later.
- iPhone
Requires iOS 26.5 or later. - iPad
Requires iPadOS 26.5 or later. - Mac
Requires macOS 26.5 or later. - Apple Vision
Requires visionOS 26.5 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © Eagles Flight Solutions
