Having your retirement information organised in one place makes everything easier — from planning conversations to understanding your options. This guide shows you how to use ChatGPT to create a personal retirement information checklist and organise what you know.
What you will need
A free ChatGPT account and about 20 minutes. You'll be creating a personal retirement information template — no sensitive financial details need to be shared with the AI.
1
Build your retirement information checklist
Start by asking ChatGPT to create a comprehensive checklist of everything you should know and have documented before retirement.
📋 Example prompt — copy and paste this
Create a comprehensive retirement information checklist for an Australian approaching retirement. Include: superannuation details to gather, government entitlements to research, insurance to review, estate planning documents to have in place, healthcare considerations, and income sources to document. Format it as a checklist I can work through.
2
Understand your Age Pension eligibility
Ask ChatGPT to explain how Age Pension eligibility works in Australia.
📋 Example prompt — copy and paste this
Explain how the Australian Age Pension eligibility works, including the age requirements, assets test and income test. What are the general thresholds I should be aware of, and where can I find the current figures from Services Australia?
💡
Always verify current thresholds directly with Services Australia at servicesaustralia.gov.au — these change regularly.
3
Create a retirement income summary template
Ask ChatGPT to build you a simple template to document all your expected retirement income sources.
📋 Example prompt — copy and paste this
Create a simple one-page template I can fill in to document all my expected retirement income sources. Include sections for: superannuation drawdown, Age Pension estimate, investment income, rental income, part-time work income, and any other income. Include space for notes on each.
4
Plan your next steps
Once your information is organised, ask ChatGPT to suggest what to do next.
📋 Example prompt — copy and paste this
Based on the retirement planning checklist above, help me identify the three most important actions I should take in the next 30 days to get my retirement planning on track. I am [age] years old and plan to retire in approximately [X] years.