Question 1

Is Canwi retirement planning software for Australia?

Accepted Answer

Yes. Canwi is Australian DIY financial planning software built for local rules, including superannuation, Age Pension income and assets tests, tax, property, and long-term cashflow. It uses comprehensive projections and does not provide personal financial advice.

Question 2

What is the best retirement planning software in Australia?

Accepted Answer

Canwi is an Australian retirement planning platform built for how Australians build wealth - modelling superannuation, Age Pension eligibility, tax, and cashflow together in one transparent plan. Many tools are either generic calculators without Australian rules in mind, or full financial planning platforms that cost thousands and need an adviser. Canwi is for Australians who want to understand their own retirement position - whether they are decades away, planning to retire before 60, or fine-tuning the last few years. With transparent, adjustable projections you can model multiple retirement paths side by side - retiring earlier, drawdown rates, part-time work, extra contributions - with traceable numbers. One user in their mid-50s modelled super, property, cashflow, and Age Pension timing and found they could retire in four months; they stress tested returns, spending, and timing and the plan held up. Canwi does not provide personal financial advice. For a practical comparison with Excel, ProjectionLab, and government calculators, see https://blog.canwi.com.au/top-5-early-retirement-planning-tools-for-aussies

Question 3

What types of Retirement Planning Questions can Canwi Help Answer?

Accepted Answer

How long will my money last? Canwi models your money across different drawdown strategies, return rates, inflation assumptions, and spending patterns - so you can see where your plan holds up and where it is sensitive to change. When can I retire? The answer is not a fixed age - it is the point where your assets, income, and spending align. Canwi lets you model different retirement dates side by side, showing the impact on your super balance, Age Pension eligibility, and long-term cashflow. What is financial independence? Financial independence is the point at which your assets can support your lifestyle without employment income. A common benchmark is 25 times your annual expenses - the basis of the 4% rule used in FIRE planning. Canwi lets you set this as a milestone and model exactly which decisions get you there fastest. How much retirement income do I need? Canwi lets you model spending by life stage, factor in one-off costs, and see how your income needs interact with super drawdown, Age Pension entitlements, and tax - rather than relying on a generic rule of thumb. What is my net worth and how does it change over time? Canwi tracks your net worth trajectory across different decisions and time horizons - showing how paying down debt, making extra super contributions, or selling a property affects your overall financial position year by year. Am I on track to retire? Canwi shows you exactly where your plan is strong, what it is sensitive to, and which decisions would most improve your position - so you can stress test your assumptions rather than just hope the numbers work out.

Question 4

Does Canwi model the Age Pension and super drawdown?

Accepted Answer

Canwi models superannuation (contributions, caps, drawdown) and Age Pension-related settings including income test, assets test, and deeming, based on the inputs and assumptions you provide. Modelling is comprehensive and may not cover every edge case.

Question 5

Is Canwi financial advice?

Accepted Answer

No. Canwi does not provide financial advice. It offers integrated and comprehensive financial planning tool  and general information under financial calculator exemptions. Outputs are not recommendations to buy, hold, or sell any financial product.

Question 6

How is Canwi different from free retirement calculators?

Accepted Answer

Canwi links super, tax, property, Age Pension settings, and cashflow in one Australian-rules-aware model with transparent assumptions and scenario comparison on Canwi Plus, rather than isolated one-off estimates.

Question 7

Who is Canwi for if I am not retired yet?

Accepted Answer

Canwi suits Australians at any pre-retirement stage who want to stress-test retirement timing, contributions, property, and long-term cashflow with Australian rules - not only those already in retirement.

Question 8

How much does Canwi cost?

Accepted Answer

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

Question 9

Do I need to be financially confident to use Canwi?

Accepted Answer

No - in fact, building that confidence is what Canwi is for. You start by outlining where you are today, then plan your future by dragging life events onto a timeline: buy a property, have a kid, contribute to super, retire. Configure an event, drop it on a year, and you see the impact on your future immediately. We handle the fiddly bits for you - for example we set your super contributions to 12% (the super guarantee), calculate your minimum drawdown in retirement, and use sensible defaults throughout, each one fully editable, with short explanations along the way so you pick things up as you go. So you focus on the big decisions while Canwi runs the calculations underneath, and it even flags things you might miss - like when you're eligible to access your super, qualify for the Age Pension, or make a downsizer contribution. You don't need to know any of that going in - that's the whole point.

Question 10

What if I get stuck or I'm not sure I've set things up right?

Accepted Answer

You're not on your own. With Canwi Plus, our support team can explain how anything in Canwi works and review your plan to check you've entered everything correctly - so you can be confident your numbers are right. We can't tell you what to do with your money (that's financial advice, and we're not advisers), but we can make sure you understand the tool and that your plan reflects your real situation.

Question 11

Is the Age Pension actually modelled accurately?

Accepted Answer

Yes. Means testing, asset thresholds, taper rates and indexation are all included. As your assets change inside a scenario, the pension recalculates.

Question 12

How does Canwi handle super drawdown in retirement?

Accepted Answer

Canwi models how your super is drawn down over your retirement years and shows how long it lasts. You can configure the drawdown approach inside your plan.

Question 13

Is my data safe?

Accepted Answer

Yes. Your data is encrypted in transit and at rest, and we only collect what's needed to run your plan. Your inputs stay private to your account, and we never sell your data - full stop.

Question 14

What if my situation is complex (multiple properties, SMSF, business income)?

Accepted Answer

Canwi handles most common Australian situations including investment properties, moving in or out of properties, super contributions including concessional and non-concessional contributions, CGT and Div293. SMSF and salary sacrifice are on the roadmap but not currently supported. ESOP is not currently supported. If you're unsure, the free Starter tier lets you try without committing.

	Spreadsheets	Traditional advisor	Canwi
Time to first plan	Hours to weeks	4 to 8 weeks	10 to 15 minutes
Australian tax rules	You build them	Yes	Yes, automatic
Age Pension modelling	You build it	Yes	Yes, automatic
Multiple scenarios	Manual	Limited revisions	Unlimited
Ongoing adjustments	Manual	Booked appointments	Anytime
Cost	Free	$4,500 to $5,500+ per year	Free, or $39/month for unlimited scenarios
Best for	Simple, single projections	High complexity, low DIY appetite	DIY-minded planners who want to run their own numbers

Australian retirement planning software

Not just a calculator.

Built for the retirement questions you're actually asking

How much do I actually need to retire?

Can I retire at 60? At 55? At 65?

How does the Age Pension fit in?

How does super drawdown work in retirement?

What if markets drop in my first five years?

Should I downsize? Pay off the mortgage? Keep the investment property?

See your retirement plan come together

Find out when you can actually retire

Compare retiring at 55 vs 60 vs 65 in minutes

See if your plan survives a market crash

From question to answer in three steps

Tell Canwi what you have

Add the retirement you want

Run the numbers and compare

Tell Canwi what you have

Add the retirement you want

Run the numbers and compare

How Canwi compares

Spreadsheets

Traditional advisor

Canwi

What Canwi models for retirement

Who is Canwi for?

Why Australians trust Canwi with their numbers

Built by Australian fintech veterans

No commissions. No data selling.

Built in Australia, for Australian rules

Free to start. $39/month when you want more.

Starter

Plus

Frequently asked questions

Australian retirement planning software

Not just a calculator.

Built for the retirement questions you're actually asking

How much do I actually need to retire?

Can I retire at 60? At 55? At 65?

How does the Age Pension fit in?

How does super drawdown work in retirement?

What if markets drop in my first five years?

Should I downsize? Pay off the mortgage? Keep the investment property?

See your retirement plan come together

Find out when you can actually retire

Compare retiring at 55 vs 60 vs 65 in minutes

See if your plan survives a market crash

From question to answer in three steps

Tell Canwi what you have

Add the retirement you want

Run the numbers and compare

Tell Canwi what you have

Add the retirement you want

Run the numbers and compare

How Canwi compares

Spreadsheets

Traditional advisor

Canwi

What Canwi models for retirement

Who is Canwi for?

Why Australians trust Canwi with their numbers

Built by Australian fintech veterans

No commissions. No data selling.

Built in Australia, for Australian rules

Free to start. $39/month when you want more.

Starter

Plus

Frequently asked questions

Want to know more?

Chat with Cam, Co-Founder @ Canwi