Income & spending

Every dollar in, every dollar out

Retirement income isn't one number — it's super, the Age Pension, maybe a UK pension, part-time work and investment returns arriving at different ages. RetirePath shows the whole flow, year by year.

app.retirepath.au — Income & Spending
Income and spending page showing weekly spend controls and money flow
The controls that matter — weekly spend, retire age, and every income source.

How it works

  1. 1

    Set your target weekly spend

    The number that matters day to day. RetirePath tells you whether the plan can sustain it — or what it can sustain instead.

  2. 2

    Every income stream, in the right years

    Salary until you stop, super after preservation age, the Age Pension from 67, UK state pension if you're eligible — each source switches on at the right time automatically.

  3. 3

    Tax and pensions done properly

    Gross vs net is handled — the model works out tax on salary and other income so the spendable figure is the real one.

  4. 4

    Watch the balance, not just the budget

    Money in and out is only half the story — the projection shows what happens to your savings balance every single year.

Age Pension built in

Eligibility age and means testing are part of the model — the pension arrives in the projection when it actually would.

UK pension support

Years abroad? The UK state pension can be toggled in — rare in Australian tools, standard here.

Super drawdown

From preservation age, the model draws super against your spending — and you see the balance the whole way.

Part-time & other income

Fading out gradually instead of stopping dead? Extra income streams are modelled properly, with tax.

Bills & outgoings

Mortgage, rent, living costs — the spending side is editable line by line, not a single blunt number.

Your assumptions, visible

Investment growth, inflation, rates — open the settings and see (and change) everything the model assumes.

Sound familiar?

The usual way

  • Adding up income sources in your head and hoping nothing's missed
  • Guessing when the pension kicks in and what it'll be
  • Forgetting that gross salary isn't what lands in the account

The RetirePath way

  • Every source modelled and switched on at the right age
  • Tax handled, so the spendable number is the real one
  • A year-by-year table you can actually check

See where every dollar comes from

Your full income picture, mapped across retirement — free to try.

Start your free trial

Questions first? Talk to us