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The bridge, and what comes after
Retirement Runway
You have money locked up until a specific age. Two questions haunt everyone in that position: how do I survive the bridge years? And once I can touch it, how long will it last? Works for Australian super, US 401(k), UK pension, KiwiSaver, RRSP, EPF — pick your country and the terminology follows.
Set up for Australian Superannuation · preservation age 60 · Age Pension from 67
// time until you can touch it
— years —
00:00:00
Live countdown — this is the runway you have to survive without touching the locked money.
🌉 The bridge years
13 years
Need $650,000 from elsewhere to reach access day.
🕰 Balance at access
$314,667
$180,000 grown at 4% for 13 years.
// your money over your lifetime
Retirement (drawing down)
// years the locked money lasts once you can touch it
7.5 years
Money runs out at age 67 — right when the pension starts.
Setting up your scenario…
Enter your details above to see how the numbers change.
// same balance · how long it lasts by country access age
💛 If the numbers are scary, you’re not alone
Financial stress about retirement often overlaps with caring for aging parents, health worries, or family strain. These are our free sister sites for exactly those moments — they don’t track you either.
⚠️ General information only, not financial advice. Access ages vary by country and by individual circumstances (e.g. Australia’s preservation age is 60 for those born after 1964; US 401(k) has 59.5 penalty-free access with SEPP options earlier; UK NMPA is 55 rising to 57 in 2028). State pension amounts change annually and depend on contribution history and income tests. Returns are shown in real terms (after inflation) so today’s dollar amounts stay meaningful. Nothing you enter here is saved or transmitted — all calculations run in your browser.