Actuarial-grade forecasting, on tap.
Projection API
Our proprietary projection API is a retirement forecasting engine you license, not build. We've done the hard part: the modelling, the assumptions, the actuarial sign-off. You plug in and go.
What it does
Our projection API takes the inputs that matter (balances, contributions, salary, age, drawdown assumptions, investment returns) and projects them forward into a retirement outcome your clients can actually understand. It's the calculation layer sitting quietly behind the scenes, crunching numbers the moment they're needed.
Built with actuaries, not around them
Every assumption, formula, and projection in our API is developed under actuarial oversight and approved for use. That's not a marketing line, it's the whole point. When the numbers your clients see carry weight, they need to stand up to scrutiny. Ours do.
Benchmarked to the ASFA Retirement Standard
Our projections are anchored to the ASFA Retirement Standard, the most widely cited retirement income benchmark in Australia. It sets the income needed for a modest or comfortable retirement, so your clients aren't just seeing an abstract number, they're seeing where they land against a recognised, real-world lifestyle target.
Always current
Retirement rules move. Contribution caps change, deeming rates shift, the Age Pension gets adjusted, and ASFA updates its figures every quarter. Our projection API is maintained to keep pace with legislative and regulatory change, so the assumptions behind every projection stay accurate without you lifting a finger. When the rules change, we update the engine. Your calculators keep telling the truth.
One engine, many front ends
Our projection API is not just for retirement calculators. It's also designed to be leveraged for:
Retirement projections
Out of the box
Custom calculators
Tools your clients want to own and control the look and feel of
Behind-the-PIN
Behind-the-PIN number crunching, where the API quietly powers other calculations in a secure, authenticated environment
White-labelling
White-label tools, so it looks like your product, not ours
Why license it
Building a forecasting engine from scratch means hiring actuaries, validating models, and maintaining them as rules and assumptions change. You can skip all of that and license a maintained, approved, ready-to-integrate API instead. We keep it current. You keep shipping.
Integration
We provide a clean, well-documented API. Send inputs, get projections. It slots into your existing stack without forcing you to rebuild anything around it.
API Reference
Australian Financial Data Points
38 data points across 5 categories
Superannuation
Caps, rates, thresholds, and offsets governing contributions, earnings, and pension phase transfers within the superannuation system.
Annual cap on before-tax contributions including employer and salary sacrifice.
Annual cap on after-tax contributions. Bring-forward rules may apply.
Lifetime limit on funds transferred to retirement phase. Indexed periodically.
Flat tax on earnings within accumulation phase funds.
Tax levied on concessional contributions entering the fund.
Mandatory minimum percentage of ordinary time earnings employers must contribute.
High-income earners above this threshold pay an additional 15% tax on concessional contributions.
Cutoff points for additional tax on earnings within balances exceeding the threshold.
Upper and lower income bands between which a person's eligiblity for the Super Co-contribution Scheme scales linearly from full (at the lower end) to zero (at the upper end).
Rate at which the co-contribution reduces as income approaches the upper threshold.
Government matches eligible personal after-tax contributions up to this cap.
Income threshold for eligibility for the Low Income Superannuation Tax Offset, a tax refund paid on concessional contributions for low earners.
The upper and lower maxima and matching rate for eligible LISTO payments.
Age-based percentage minimums that must be drawn from account-based pensions each year.
Published in: SIS Regs Sch 7
Income & Tax Offsets
Resident tax rates, Medicare levy parameters, and income-tested offsets applied to individual taxable income.
Marginal tax rate schedule applied to taxable income of Australian residents.
Income thresholds at which a Medicare-eligible taxpayer becomes partially or fully liable for the Medicare levy.
Higher thresholds apply to seniors and pensioners eligible for SAPTO.
A flat percentage of income rate applies; shade-in rate applies in the low-income phase-in zone.
Three tiers of income above which the MLS applies to those without private hospital cover.
Rates of additional tax payable by taxpayers liable for the MLS.
Low Income Tax Offset reduces at two different shade-out rates across the income range.
Seniors and Pensioners Tax Offset — available to eligible seniors meeting residency and income tests.
The tapering rate for eligible SAPTO recipients between the upper and lower thresholds.
Composite income measures used across multiple means tests and tax calculations.
Published in: ATO Income Tests
Age Pension
Qualifying conditions, payment rates, means test parameters, and indexation rules for the Age Pension.
Based on date of birth.
Indexed in March and September using CPI and MTAWE benchmarks.
Includes basic pension supplement, minimum pension supplement, and energy supplement.
Income below this amount does not reduce the pension payment.
Rate of reduction of pension income eligibility above the free area.
Separate thresholds for homeowners and non-homeowners, singles and couples.
Pension reduces by $X per fortnight per $1,000 of assets above the threshold.
Financial assets below the threshold are deemed to earn the lower deeming rate.
Rate of reduction in pension eligibility based on deemed income.
Allows pensioners to earn employment income without it reducing their pension.
Indexed to the highest of CPI, MTAWE (Male Total Average Weekly Earnings), or a pensioner living cost index.
Published in: Social Security Act 1991
Economic Assumptions
Macroeconomic indicators sourced from ABS survey series, used as inputs to indexation and adequacy modelling.
Consumer Price Index — key indexation input for pension rates and contribution caps.
Average Weekly Ordinary Time Earnings — used as a benchmark for pension adequacy indexation.
Retirement Standards
Industry benchmark expenditure standards representing annual budgets for comfortable retirement living.
Quarterly updated benchmark for the annual budget needed for a comfortable or modest retirement lifestyle for singles and couples.
Where the figures come from
- Statutory & administered
- Set in legislation or published by the agency that administers it. These are the figures the law requires a calculation to use.
- Australian Taxation Office · Services Australia · Department of Social Services · Commonwealth legislation and regulations
- Measured & published
- Official statistical series and published economic indicators, used as indexation and projection inputs.
- Australian Bureau of Statistics · Reserve Bank of Australia
- Industry benchmark
- Published standards used as reference points for adequacy rather than as legal requirements.
- Association of Superannuation Funds of Australia