Expert guidance so you can feel confident about your retirement

Retirement is more than just a milestone—it’s a time to live life on your terms. Our expert retirement projections ensure you make informed decisions today so you can enjoy financial security and peace of mind tomorrow. With Jubilacion, you’re not just planning to retire; you’re planning to thrive.

We help Australians like you retire with confidence

People from all walks of life come to Jubilacion to retire well, on your terms, and with peace of mind that you’re on track to live comfortably. Most Australians want evidence-based answers to questions that other online calculators or tools make you guess.

  • How much money will you need?
  • When can you afford to stop working?
  • Are you saving enough?
  • What lifestyle can you afford?
  • What about risk and unexpected changes?

Hear what our customers say

5.0
19 Reviews from Google

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Our lifetime cashflow planning service

One-on-one meetings with a specialist to understand your financial position

A detailed report of annual projections based on our rigorous financial modelling

The option to consider lifestyle changes and ‘what if’ scenarios to plan for the unexpected

No product sales, ongoing fees, or pressure to move funds

Our lifetime cashflow planning service does what other calculators can’t

Autopilot is not a plan

You want to retire well, on your terms, and with peace of mind that you’re all set to live comfortably in your golden years. Retirement planning involves living off your nest egg, and that requires proactive action and careful consideration. It’s not something that can be put on autopilot and forgotten about.

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Join others in achieving retirement confidence

Expert guidance for your retirement, without giving up control of your super. Plan your future with confidence and focus on what matters most—your family, home, and desired lifestyle. Our impartial retirement plan modelling, trusted by Australians like you, not only secures your financial foundation but builds the trust you need to plan for your future confidently.

We’re actuaries, not salespeople

We’re here because finding the right answers shouldn’t be so difficult. For the thousands of Australians approaching retirement each month, the question ‘how much is enough?’ often leads to more frustration than clarity. As actuaries, we bring a unique, data-driven perspective, ensuring you receive precise, reliable guidance that allows for uncertainty. Our expertise turns complex financial questions into clear, actionable plans, so you can enter retirement with confidence.

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Jubilation (English.) noun. A feeling of great happiness, especially because of success.

Jubilación (Spanish.) noun. Retirement.

We believe that both definitions are the same.

We take the guesswork out of retirement planning

Our rigorous, model-driven approach eliminates the guesswork that other retirement calculators often leave you with. We provide clear answers to crucial questions—like how much money you’ll need, the lifestyle you can comfortably afford, and the optimal time to retire—all while considering your entire financial landscape, choices, and risk tolerance.

How it works:

1. We build a complete model of your retirement: empowering you to set an actionable plan for your lifestyle goals
Visualise the big picture and take the right steps to achieve the future you want.

2. We explore the ‘what-if’ scenarios that matter to you
We consider risk and uncertainty when it comes to life’s big choices, such as retiring early, saving more, working part-time, leaving an inheritance, or selling a property.

3. We calculate your personalised safe-spending figures for life
Know how much you need to have saved in order to spend safely and live confidently, even if living costs go up, markets fall, or you live longer than average.

Get the information you need to plan with confidence

  • Take control of your retirement goals with expert guidance.
  • Explore personalised ‘what-if’ scenarios tailored to your needs.
  • Discover your key financial numbers, including how much you need to retire and your safe spending level for life.

Contact us for a FREE information pack or demonstration of our service.






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    Rated 5 out of 5 stars based on 12 Google reviews

    Have been working with Jubilation for over a year now, they have gone over and above to address our specific situations and scenarios. The information they provide is so valuable for us - it gave us confidence to transition to careers that are more personally rewarding earlier than expected, knowing it won't jeopardise our retirement lifestyle.
    Primrose Maclean Avatar
    Primrose Maclean
    Excellent service. Absolutely recommend this for anyone looking to better understand what their investment portfolio can do for them as they move from saver to spender.
    David Fleming Avatar
    David Fleming
    Jim was very helpful and methodical in preparing and presenting our retirement report with additional scenarios as options to consider. It gave us confidence with a much clearer picture of our likely financial future given the conservative and comprehensive parameters inbuilt. I would highly recommend Jubilacion and their software work to assist with a realistic point of retirement and expenditure plan through to end of life expectancy. We believe it was value for money, given what we have experienced with investment advisers previously.
    John Pilcher Avatar
    John Pilcher
    Very helpful and informative information to enable planning into the future with peace of mind. Highly recommend
    Blanche Terry Avatar
    Blanche Terry
    Having retired recently and not understanding how we would spend our super responsibly led us on a very conservative spending path. So, when I came across Jubilacion and read about their service I felt a real sense of relief. Meeting Jim and discussing our goals for retirement was the start of our journey to becoming truly comfortable with our situation. Jim is a very affable individual. He converses easily and patiently, taking time to explain both the modelling and the possible outcomes. We met with him across Christmas and the New Year. When we met again in the New Year he kindly provided us with a refresher so that we could be better informed and therefore better able to think about what our three alternate scenarios should be. The service that Jubilacion provides gives you a default outcome (the safe spend) for where you are 'now' financially. Jubilacion then gives you the opportunity to play with three 'what ifs' so that you can then take control of where you want to go with your 'safe spend'. The exercise gave me great confidence to move ahead and really start to live out our retirement in the knowledge that our spend is realistic and responsible. I highly recommend Jubilacion to you, so that you can start, like us, spending and living your retirement as you should.
    John Crea Avatar
    John Crea
    Thanks to Liam, I now have peace of mind (based on data) that I can afford a basic income for life and in the good times I will have a bonus for the extras that make life worthwhile. The service was excellent, my particular circumstances were taken into account, as well as some potential scenarios that I really hadn't given much thought to before but am glad they were suggested as options. I will be happy to revisit and review in the future.
    Adrienne Dobak Avatar
    Adrienne Dobak
    An excellent service provided Liam at Jubilacion - the information provided has given us the confidence to more forward with our retirement in the full knowledge of our sustainable financial future - WELL DONE - a highly recommended product and worth every cent.
    Peter Owens Avatar
    Peter Owens
    If you are looking for a financial roadmap to and through retirement, I think this service is the best you will find. You’ll get great guidance through the process and best of all, great clarity on what you can comfortably spend and put aside to enjoy later.
    Andrew Brown Avatar
    Andrew Brown
    I highly recommend Jubilacion’s stochastic modelling service. The staff were helpful, very easy to work with and are completely independent as they are not involved in recommending any investment product. In my opinion, the model they use is more comprehensive than that used by many financial planners and provides vital information about potential longevity of retirement funds to specific confidence levels which can be varied according to each client’s risk appetite. Working out with a good degree of accuracy, when your retirement savings might run out, is obviously very important and is something that should be done well before retirement as well as when leaving the workforce. This service also provides an excellent basis for discussions with a financial planner as to which investments are best suited to your future needs. I was very happy with the report they provided and would definitely recommend the service to family and friends.
    Eric Dillon Avatar
    Eric Dillon
    This service was excellent. Jim was very professional and I was able to gain great comfort as to my retirement plans. I highly recommend.
    Eugene Wheelahan Avatar
    Eugene Wheelahan
    My wife and I found speaking with Liam to be easy and it became an easy process with no stress, to our relief, especially regarding our finances. He made us feel comfortable and together we were able to delve into what our concerns were regarding our future financial state. To our relief he was able to present to us some different options all of which provided us with a confident approach to our retirement and our lives after that. Highly recommend this company to anyone.
    Art Koopman Avatar
    Art Koopman
    Professional and personal service.
    Sonny Azzopardi Avatar
    Sonny Azzopardi