Confidently Project and Manage your Financial Future

The future is uncertain. 
But your retirement finances shouldn’t be.

We’re here to help people get a better understanding of the possible levels of spending they can maintain in retirement, how much they may have at retirement, and the uncertainty  around these numbers. 

All at a reasonable price.
It’s your super! Take control now!

⇓   See more below   

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Our Investment Options Report shows the significant effects that changes in your investment strategy (also called asset allocation or investment option) can have on your retirement income.

Read more about that report here:

Then subscribe here to access the full report:

Current members click here:

Why Should Australians Care?

Saving for retirement is an important part of life in Australia. The Age Pension provides a quite modest, but adequate, level of income for most people.  The superannuation savings system has been designed to give people a higher standard of living, comparable to what they had before retirement. 

But the system is complex, and the time frame over which we need to think about retirement is long – when you retire your expected lifespan is more than 20 years.  There is a lot of uncertainty in thinking about what could happen.

mProjections, with our superannuation calculator, is here to help people to get a better understanding of what can occur in the future, showing both the good and the bad, and helping people to make better decisions on what to do now.

Our superannuation projections assess the impact of decisions by taking into account the factors that our regulatory authorities require, e.g. inflation, reporting in today’s dollars, and show annual (and fortnightly) payments in retirement for 25 years.
We provide a comprehensive outline of our forecasts, informed super projections, and modelling.

Act now by investing $85.00 (including GST) to buy a 12 month subscription that gives Members access to all our current Superannuation Reports, as often as they need, and on-going updates such as:

  • Out of workforce (including being currently unemployed)
  • Planned lump-sum expenses (overseas travel, renovations)
  • More asset classes and asset allocation for super discussion
  • Retirement report that shows the different retirement benefits of changing Investment Options.
  • Goal-directed investments with education as one of the goals.

Why use us?

Easy to use


At a click of a button, understand what are the likely retirement forecasts for your long-term super financial outcomes.

Projection of variable outcomes

mProjections' superannuation calculator is developed by a team specialised in superannuation portfolio modelling to help visualise superannuation projections.

Peace of mind for the future


View the report and have more confidence in the projected financial future and a solid idea of your super balance.

Currently there are two reports and a document builder.
The Investment Options Report shows the effect of different investment options on the retirement income.  This is important in the SMSF Trustees producing their required Investment Strategy.
The Investment Strategy Document builder helps SMSF Trustees to produce a document that can serve as a basis for the Investment Strategy that is an Australian Taxation Office requirement for all SMSFs.
The Retirement Income Strategy page helps SMSF Trustees to go through the steps to produce an income strategy.  Even though this is not necessary for SMSFs, it is recommended to do this; it serves as a good complement to the Investment Strategy process for those people in or nearing retirement.
The Early Super Withdrawal Report concerns the person who is considering accessing their super early; we provide an analysis that shows the real cost of early withdrawal of super, and ways in which the expected retirement income may be improved.
A subscription gives access to all our reports for 12 months.

Features of our Super Reports

Project the fund size

Assessment (in current value, today’s dollars) of the fund size before and after retirement.  The chart shows the fund size, in millions of dollars, from the present time till age 100.

In the chart, the darker colours mean a better chance that the fund will be at least that size.  The green line is the middle value – there’s an even chance that the actual fund is above or below that amount.

Forecast superannuation income

Assess the annual income that may be available from a super fund after retirement for 25 years (or whatever period you’d like).  Income includes dividends, sale of assets and part or full Commonwealth pension.

In the bar chart, the darker colours mean a better chance that the income from the super fund (including any full or part pension) that can be spent for 25 years, will be at least that amount.  The red line is the middle value – there’s an even chance that the actual income that could be maintained is above or below that amount.

Project for one or two people

The Report allows for 1 or 2 people, with any age difference, helping investors to be more informed about their super future (including Members of an SMSF) and to make better, more informed decisions on their most important savings.

Pension payments depend on whether a person is single or part of a couple.  Some calculators do not work if the couple have ages that are too dissimilar.

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Retirement cash flow from different investment options

Compare forecasts of typical outcomes, as well as potential very good and very bad outcomes. 

Each bar shows possible incomes (in 000s) for the current asset allocation, and a range of typical investment options available in the market. 
We also include a Lifecycle option, that starts with high allocation to Growth assets and gradually decreases this.

As usual, dark colours indicate incomes that will likely be able to exceeded, and light colours indicate only small chances of being obtained.

Act now by investing $85.00 (including GST) to buy a 12 month subscription that gives Members access to all our current Superannuation Reports and document builders, as often as they need, and on-going updates.

Improve your retirement, now!