Welcome to the Plan in Decades help centre.
Find out how Plan in Decades works, what its calculations include, and which assumptions shape your results.
Important limitation
The calculators produce numerical what-if estimates. Do not rely on them to make a financial-product decision. Consider obtaining advice from an Australian financial services licensee before making financial decisions.Read the full assumptions and limitations.
Getting Started
Purpose, boundaries, defaults, and the starting inputs that shape a scenario.
Important Disclaimer
Important information about using Plan in Decades - this is not financial advice.
Read this noteNOTE · 02Australian Super Assumptions
How Australian super net returns, separate costs, contributions and present-value assumptions are modelled.
Read this noteNOTE · 03What is Plan in Decades?
Learn how Plan in Decades models long-horizon financial scenarios.
Read this noteNOTE · 04Why No Bank Connections?
Why Plan in Decades will never connect to your live bank accounts.
Read this noteFeatures
Focused explanations of the model’s scenario and account features.
Pension Systems
Supported pension and retirement account systems from around the world.
Read this noteNOTE · 02Inflation Settings
Choose how inflation is modeled in your financial scenarios.
Read this noteNOTE · 03KiwiSaver Calculation Methodology
How gross returns, individual PIE tax, ESCT and government contributions are represented in KiwiSaver scenarios.
Read this noteNOTE · 04Wealth Tracking
Track your net worth over time with monthly snapshots.
Read this noteNOTE · 05Your Retirement Number
Understand how the model calculates and displays the 25x benchmark.
Read this noteNOTE · 06Financial Independence is a Number
How financial-independence benchmarks are represented in a scenario.
Read this noteNOTE · 07Coast FIRE
How the Coast FIRE benchmark is represented in a long-horizon scenario.
Read this note