Read the working, not just the result.
These notes explain what Plan in Decades calculates, which assumptions matter, and where the model stops. Keep them beside a public scenario while you inspect it.
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 decisions that shape a scenario.
Important Disclaimer
Important information about using Plan in Decades - this is not financial advice.
Read this noteNOTE · 02Australian Super Assumptions
The assumptions and limitations used for Australian super calculations in Plan in Decades.
Read this noteNOTE · 03What is Plan in Decades?
Learn what Plan in Decades does and how it can help you plan your financial future.
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 planning 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 · 03Wealth Tracking
Track your net worth over time with monthly snapshots.
Read this noteNOTE · 04Your Retirement Number
Understanding the 25x rule and finding your financial independence number.
Read this noteNOTE · 05Financial Independence is a Number
Why financial independence is about optionality, not reaching a specific age.
Read this noteNOTE · 06Coast FIRE
How Coast FIRE works and what it changes in your long-term plan.
Read this note