Super DIY Calculator (Assessment)(Spouse)(You)

// Notes //

Logic Testing on Projected Balance on Retirement Age and Preservation Age.

Tested our calculations using Excel, and AI calculations:
- Using yearly method: no margin of error. Both reports calculated at 621K for retirement age, and 793K for preservation age using CAGR. We’ve calculated separating by individual net contributions and existing balance annually for transparency purposes.

- Using monthly method: margin of error is < 2%. Excel calculated at 629K [1.3%] for retirement age, and 807K [1.7%] for preservation age.

- Margin of errors < 2% with a projection of 16 years is an acceptable range as monthly calculations can be skewed due to the timing of salary sacrifice contributions when annualizing the market return rate monthly.

- When validating our calculations with You, we only used non-concessional contributions. Its fixed annual contributions every mid-year. No margin of error as both reports calculated at 499K for retirement age, and 637K for preservation age using CAGR.

- For simplicity, we didn’t factor in super tax on investment earnings on both Spouse and You.

// Source //

Super DIY Calculator (Assessment)(Spouse)

Super DIY Calculator (Assessment)(You)

// Calculations Validation //

Super DIY Calculator (Assessment)(Spouse)(AI Calculations) [AI]

Test Net Contributions (Spouse)(Annually) [Excel]

Test Net Contributions (Spouse)(Monthly) [Excel]

Super DIY Calculator (Assessment)(You)(AI Calculations) [AI]

Test Net Contributions (You) [Excel]