AS Brokers – Life of Capital Calculator
Estimate how long your capital can sustainably provide inflation-adjusted retirement income.
This calculation assumes your required income increases annually by the selected inflation rate to keep pace with rising living costs. The projection is based on assumed investment returns, tax rates and inflation and is for illustrative purposes only. Actual outcomes may differ. This tool does not constitute financial advice.
Need Help Estimating Your Tax Rate?
Tax on retirement income depends on how your income is structured and your personal tax profile.
Use the tax calculator below to estimate an effective tax rate, then return to this page and adjust the numbers.
Open Tax Calculator (New Tab)What These Numbers Are Telling You
If the income you draw (after tax) grows faster than your investment growth, your capital eventually runs down.
If investment growth consistently stays ahead of withdrawals, income becomes more sustainable. Time is the silent variable.
Changes in income, tax, fees, or inflation can have a significant impact over 20 to 30 years.
A Note on Tax Structure
If your effective tax rate on retirement income is higher than 20%, it may be worth exploring income structures that are taxed differently.
On the next page, I show investment solutions where income is taxed at a flat 20%, depending on structure and individual circumstances.
This is shared to help you understand how income structure affects outcomes.
Ready to See Practical Options?
On the next page, I explain how different investment structures can change retirement income outcomes — including how tax is applied, how income is generated, and what that means over time.
These are the same types of solutions I use and recommend in my practice, shown with clear explanations and simple calculators so you can compare outcomes for yourself.
View the Investment Options