Practical retirement tools for Australians aged 50–70.
No jargon. No upsells. Just clear workbooks, calculators and checklists designed to help Australians aged 50 to 70 step confidently from work into whatever comes next — the coast, the caravan, the grandkids, or simply more time.
- Workbooks
- 8
- Aussies helped
- 12k+
- Updated
- 2026
Will my super stretch the distance?
A quick, no-signup estimate. Punch in your numbers below and we'll tell you — in plain English — whether you're on track for the kind of retirement you'd like.
Your estimate
There's a gap to close before you stop work.
Super at age 67
$713,003
Sustainable income
$45,646
about $878 a week
You're tracking to about $45,646 a year — roughly $6,439 short of a comfortable retirement. Contributing an extra $8,753 a year for the next 9 years would close the gap. The Age Pension may also help.
What we've assumed
- 6% a year average return on super (before retirement)
- 2.5% a year inflation during retirement
- Drawdown lasts from age 67 to 90 (23 years)
- Lifestyle targets based on the ASFA Retirement Standard (single)
- Age Pension, tax and personal savings outside super are not included
A rough guide only — not personal financial advice. For decisions about your situation, speak with a licensed Australian adviser.
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Practical tips for Gen X Australians planning the next chapter — straight to your inbox.
Built by a fellow Gen X Australian who is navigating the retirement journey himself.
Practical tools, straightforward information, and no financial-product flogging — just help for people planning the next chapter of life.
Read my storyEight workbooks. One clear plan.
Use them on their own, or together as a complete life-planning system for the decade either side of retirement.
04FreeSuperannuation Tracker
Track multiple super funds, consolidate lost super, and benchmark performance without spreadsheets or jargon.
Explore the workbook
RGX-101Paid WorkbookRetirement Budget Planner
Weekly and monthly sheets designed for life after work, so income from super, pension and savings actually adds up to the lifestyle you want.
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RGX-102Paid WorkbookSuperannuation Master Workbook
The complete step-by-step workbook for Australians who want to understand, organise and maximise their superannuation before retirement.
Explore the workbook- 05Centrelink
Pension Planning Workbook
Walk through Age Pension eligibility, the assets and income tests, and the Centrelink application without the runaround.
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RGX-103Paid WorkbookEstate Planning Organiser
A practical folder system for wills, titles, super beneficiaries, and the wishes you want your family to know — all in one safe place.
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RGX-104Paid WorkbookGovernment Benefits Planner
A practical workbook to help Australians understand Government retirement benefits and prepare before lodging applications.
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RGX-105Paid WorkbookRetirement Travel Planner
Fuel and service records, campsite trackers, packing lists and route planners — everything you need before you hit the road.
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RGX-107Paid WorkbookRetirement Calculator Pack
Plain-English calculators built for Australian conditions. Estimate your retirement income, how long your nest egg will last, and the gap between where you are and where you want to be.
Explore the workbook
Retirement isn't a date. It's a phase.
We recommend walking through the toolkit in three stages — starting roughly two years out from finishing up work.
- 1
Audit what you've got
Start with the Super Tracker and Budget Planner. Get one honest picture of your balances, your spending, and your runway. Knowledge is the antidote to anxiety.
- 2
Claim what you're owed
Work through the Pension Workbook to understand the assets and income tests, and prepare your Centrelink application before you draw down personal savings.
- 3
Plan the first move
Whether it's the big lap, a sea change, or just more time in the shed — use the Travel Planner and Estate Organiser to set concrete plans for your first six months.
Plainspoken answers to the questions we hear most.
When can I access my superannuation?
Most Australians can access their super once they reach preservation age (between 55 and 60, depending on when you were born) and have retired, or unconditionally at age 65 whether you keep working or not.
How does the Age Pension assets test work?
Centrelink assesses what you own — excluding your principal home — to determine your fortnightly payment. Thresholds differ for singles, couples and homeowners. Our Pension Workbook walks you through it line by line.
Should we downsize the family home?
Downsizing can free capital and you may be able to contribute up to $300,000 each into super through a downsizer contribution. Weigh it against the impact on the Age Pension assets test and your day-to-day lifestyle.
What about a Transition to Retirement (TTR) strategy?
If you've reached preservation age but aren't fully retired, a TTR pension lets you draw from super while continuing to work part-time. Our Super Tracking templates include a TTR cashflow sheet.
Is this financial advice?
No. Everything here is general information and organisational tooling. For decisions about your personal situation, please speak with a licensed Australian financial adviser, accountant or solicitor.
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