Super & pensions
Model super balances, retirement income and pension sources over time.
Australian retirement planning
See how your retirement fits together.
Sunnora is a free retirement planner for exploring super, retirement income, spending, Age Pension, mortgage and other income sources over time. Sunnora can also include UK State Pension income alongside super and other pension income in the retirement projection.
Free to download · Runs locally · No subscription
No account requiredStart planning without creating an online account.
Your plan stays localFinancial planning data is stored on your computer.
Explore, don't predictCompare assumptions and modelled outcomes over time.
One plan, different parts of retirement
Bring the pieces together.
Sunnora combines the information you enter into a date-driven retirement projection, while keeping the different parts of the plan visible.
Spending & budget
Build a yearly budget and compare spending with the broader retirement plan.
Partner planning
Include a linked partner profile in the household forecast.
Mortgage & debt
Include mortgage and debt information alongside the retirement projection.
Your projection
See balances across the plan.
Follow projected account balances through working years and retirement, with retirement timing and household accounts shown together.
The Dashboard also keeps live What if controls alongside the projection so selected assumptions can be explored without immediately changing the saved plan.
Income sources
See where projected retirement income comes from.
The annual income view separates projected sources across the plan rather than presenting retirement income as a single number.
Mortgage & debt
Put the mortgage beside the retirement plan.
Review the projected mortgage path, extra payments, interest and principal, rate assumptions and payoff timing in the Mortgage & Debt Hub.
Explore uncertainty
Look beyond one fixed-return projection.
Sunnora includes tools for exploring simulated market variation and selected downturn assumptions. They illustrate modelled risk; they are not forecasts.
Probability check
View the share of simulated outcomes in which funds last through the modelled period, together with outcome ranges.
Stress test
Apply historical-style or custom downturn periods and see how those assumptions affect the plan.
RETIREMENT SPENDING
Build a retirement budget
Start with example categories, adjust them to reflect your own spending, and see the yearly, monthly and weekly picture. Sunnora can also compare your budget with the ASFA Retirement Standard.
Privacy & local operation
Your financial plan isn't uploaded to Sunnora.
Sunnora runs locally on your computer and doesn't require an account. Your financial planning data is stored locally and isn't uploaded to Sunnora.
There is no application advertising, analytics or telemetry. Some optional features use the internet: weather sends the location you choose to Open-Meteo; public benchmark and exchange-rate updates retrieve public information without sending your financial plan. Optional phone/tablet access can make your plan available to devices you authorise and is off by default.
Getting started
Start simple. Add detail when you want it.
Download
Install Sunnora on your own computer.
Set up your plan
Use the guided setup to enter the initial information used by the planner.
Explore
Move between Simple and Advanced views, projections and What if controls.
Why I built Sunnora
It started with a simple question.
Could I retire earlier than I expected?
Answering that turned out to involve much more than looking at a super balance. I wanted to see how super, pensions, spending, a mortgage and other parts of retirement could fit together over time, and what happened when I changed different assumptions.
Sunnora grew from that personal project. As it developed, I thought it might also be useful to other Australians asking similar questions, so I've made it available as a free download.
Sunnora is an independent personal project. It isn't financial advice and doesn't recommend financial products.
Useful links
Check current information at the source.
Retirement rules and figures change. These Australian resources can help you check current information independently.
Moneysmart ↗Australian Taxation Office ↗Services Australia — Age Pension ↗ASFA Retirement Standard ↗SuperGuide ↗
External links are provided for convenience and information. Sunnora is not affiliated with or endorsed by the organisations listed above.
Sunnora 4.8
Free to download and runs locally on your computer.
1 The macOS build has passed automated build and validation checks, but has not yet been tested on a physical Mac.
No account required · Free download · No subscription
Important information
Sunnora is a retirement modelling and educational tool, not financial advice. Results are estimates based on the information and assumptions you enter and are not predictions or guarantees. Sunnora does not recommend financial products or tell you what financial decisions to make. Consider your own circumstances and, where appropriate, seek professional financial, taxation or legal advice.