Retirement runway

For teachers trying to work out how soon they can safely step back.

Estimate whether you are looking at a full exit, a staged reduction or a keep-working-for-now plan. This is general planning support, not financial advice.

What it helps with

super gap check
when reducing days may be safer than resigning
how many working years your target may need
weekly momentum emails with next-step ideas
questions to take to a qualified adviser

Build the estimate

Country

Current agePreferred exit ageCurrent super balanceAnnual contributionsDesired yearly income after exitCurrent days per weekPreferred reduced days

Pressure levelEmail for weekly runway metricsSend weekly retirement-runway metrics and next-step ideas. You can stop these later.

Runway read

Years to target

Estimated balance

$340,000

Runway pressure

High

At your target age, this rough estimate suggests about 5.2 years of desired income before tax, investment returns, inflation, pension eligibility and other assets are considered. Use this as a question-generator for your super fund, pension service or adviser, not as a final decision.

Reduction plan

Reducing by 1 day may be safer than a sudden exit if the income drop is manageable and your health needs relief now. Test the numbers before changing your contract.

Ask your super or pension provider for a proper balance, fees, insurance and access-age check.
Build a household minimum-income number before reducing days.
Check whether part-time work changes leave, pension/super contributions, insurance or benefits.
Model one faster-exit scenario and one safer-staged scenario.
If the pressure is high, combine retirement planning with career transition rather than relying on willpower.

Before making the call

This calculator is a planning prompt. It does not replace a qualified financial adviser, pension/super fund, accountant, union or employer advice. Use it to ask better questions before resigning, reducing days or changing your income.

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