![]() ![]() That is usually a pretty good assumption, but if you want to take taxes into account, you can use a tax-adjusted interest rate. The main assumption with regard to taxes is that the interest is earned tax free within the retirement account. Taxes: This spreadsheet doesn't include any tax calculations. The Age column was added to the Google Sheets version, also. Update - The Age column in the table was fixed for the choice of an Annual withdrawal frequency. It should be adding the Withdrawal Amount column and the Additional Withdrawal column (not the Interest Earned column). Update - The error in the Total Withdrawals field was fixed (error introduced accidentally during update). The table includes an Age column and the graph uses Age as the horizontal axis. Choosing "beginning" means the first withdrawal is made before any interest is earned. Choose whether the withdrawal is made at the beginning or end of a month or year. For example, you could use this feature to see what a huge one-time medical bill might do to the plan. Make adjustments to the normal scheduled withdrawal by entering an Additional Withdrawal amount within the Payout Schedule, either positive or negative. You are more likely to make monthly withdrawals, but for a quick analysis and a more concise payout schedule, the annual option is handy. Create a monthly or annual payout schedule. This is an important part of any retirement planning calculation. Enter an annual inflation rate to automatically increase the amount withdrawn each period. ![]() The initial withdrawal will be adjusted for inflation based on the number of years until your retirement. All rights reserved.- Enter the amount you expect to withdraw in today's dollars. Visit for ratings information and to access the full report. SuperRatings uses objective criteria and receives a fee for publishing awards. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. Past performance information is not indicative of future performance. The rating is not a recommendation to purchase, sell or hold any product. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund. Awards and ratings are only one factor to be taken into account when choosing a super fund. Hostplus pays licence fees to use these awards. Fees may apply for personal financial advice for further information about the cost of personal advice, you can speak with your financial planner or visit our website Information to help you decide whether you want to use personal financial advice services being offered is set out in the relevant IFS Financial Services Guide, a copy of which is available from your financial planner. Hostplus has engaged Link Advice Pty Ltd ABN 36 105 811 836, ASFL 258145 to facilitate the provision of limited personal financial advice to members of Hostplus via the web-based product SuperAdviser. Advice is provided by financial planners who are Authorised Representatives of IFS. You can view detailed disclaimers here. Hostplus has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195, AFSL 232514 to facilitate the provision of personal financial advice to members of Hostplus. For a description of the target market, please read the Target Market Determination (TMD), available at. Please read the relevant Hostplus Product Disclosure Statement (PDS) or Hostplus SMI PDS before making a decision about Hostplus. You should consider if this information is appropriate for you in light of your circumstances before acting on it. It contains general advice only and does not take into account your personal objectives, financial situation or needs. Hostplus Self-Managed Invest (SMI) is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Pooled Superannuation Trust (PST) ABN 13 140 019 340. This website is issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund (the Fund) ABN 68 657 495 890, MySuper No 68657495890198. ![]()
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