Retirement planning software in Australia

Run the numbers on retirement timing, super, Age Pension eligibility, property, tax, and cashflow with Australian rules and transparent assumptions - all in one DIY planning workspace.

What is Canwi?

Planning earlier life stages - kids, first home, subsidies? See DIY financial planning software in Australia.

Your financial life at a glance - current net worth, projected wealth by decade, asset allocation, and visual projections of your goals, all in one place.

Build your plan by placing life events on a timeline - buying a home, children starting school, contributing to super, retiring early. Canwi handles the maths underneath.

When you're ready to model retirement, configure exactly how you want to draw down super and other assets - and see instantly whether your numbers stack up.

See how your income evolves over time - salary, investment returns, super drawdown, government benefits - stacked and broken down year by year.

Compare completely different futures side by side. Sell the investment property or hold it? Retire at 50 or 55? The long-term impact is visible in seconds.

When you want to go deeper, every number is traceable. See exactly how Division 293, Medicare Levy Surcharge, deductions, and super contributions interact in any given year.

Follow every dollar through a single year - income in, tax out, super contributions, savings, and spending - in one picture that makes your cashflow impossible to misread.

What Canwi models for retirement

• Superannuation - contributions, tax, caps, carry-forward, and drawdown planning
• Age Pension - income test, assets test, income deeming, and threshold assumptions
• Tax - personal income tax, offsets, Division 293, Medicare Levy Surcharge, and related interactions
• Property & debt - buy/sell, refinance, investment property, CGT, and mortgages
• Scenario planning - early or phased retirement, part-time work, changing expenses, and comparing paths side by side (with Canwi Plus)

Who is Canwi for?

• Australians mapping retirement timing whether it is years away or already underway
• Anyone who wants Age Pension, super, tax, and property interactions in one model - not a single-purpose calculator
• People who prefer transparent assumptions over opaque “black box” estimates
• Households using Canwi to prepare for conversations with a licensed adviser when they need personalised recommendations

Pricing

Starter is free with core planning tools. Canwi Plus is $39/month or $29/month when billed yearly for multiple scenarios, comparisons, and premium support. See the pricing page for detail.

For how-to articles and policies, visit the Canwi help center.