Most retirement calculators fail because they try to model ongoing rental yields which are often consumed by maintenance and tax. We focus on the Net Windfall—the single most important moment for your retirement runway.
Why We Use the "Windfall" Method
Most spreadsheets trap you in complexity. We chose a different path for two critical reasons:
1. The Complexity Trap
Rental income is often offset by rates, land tax, and repairs. The net impact on your "runway" is usually smaller than it appears on paper.
2. The Liquidity Reality
You cannot buy groceries with home equity. True freedom comes from liquid assets drawn down under tax-free pension rules.
Step-by-Step: Managing the Sale
Identify the Liquidity Gap
Run your forecast without the property. Look for the year your Super and Savings begin to deplete in the "Projected Assets Breakdown".
Estimate the Net Proceeds
Calculate the windfall: Sale Price - (Mortgage + Commission + CGT). Use today's dollars for the most accurate simulation.
Input the Life Event
Navigate to Step 4: Life Events and select Windfall. Label it "Property Sale" for clarity.
Select the Year
Assign the windfall to the exact year you intend to sell or downsize. Watch your dashboard update instantly.
Strategic Insights: CGT & Pension
The Asset Test Impact
Converting property into cash or Super may change your Age Pension eligibility. Our engine automatically recalculates your entitlements based on the new asset mix.
The Downsizing Factor
Selling your primary residence? You can contribute up to $300,000 per person into Superannuation regardless of age, moving capital into a tax-free pension environment.
Ready to see the impact?
Don't guess how a property sale changes your future. Run the simulation and see exactly how it extends your retirement runway.
Model Your Property Sale NowAbout the Author
Justin Shaw is the creator of Retirement Vantage. He built the platform to give Australians institutional-grade retirement modelling—accounting for the complex interplay between tax, pension rules, and sequence risk.
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