Disclaimer - Whilst the material on the site may be changed from time to time without notice, LGSS Pty Limited does not provide any warranty as to the accuracy or completeness of the information provided on the site. Whenever you use this website you are deemed to have given your acceptance to these terms. The calculations and results you are able to obtain from the calculators and tools are for illustration purposes and are not intended as a substitute for any specific financial advice you may obtain. The calculators and tools do not contain all the possible combinations of data and have used certain assumptions. The effect of certain factors, which could have an impact on your individual circumstances may not have been taken into account. LGSS Pty Limited cannot accept responsibility for any errors or omissions from the information or any reliance placed upon it. These calculators are not intended to be relied on for the purposes of making a decision in relation to a financial product, including a decision in relation to a particular superannuation fund or strategy, and that consumers should consider obtaining advice from an AFS licensee before making any financial decisions.

Superannuation Insurance Needs Calculator The insurance needs calculator provides you with a guide to how much Voluntary Insurance cover you may need, depending on your circumstances. The calculator takes into account many variables such as your age, salary, assets, debts and any current levels of insurance cover that you may have. The calculator also has the ability to include an amount to cover future salary as part of your Death and/or Total and Permanent Disablement (TPD) benefit.

Death and TPD Insurance Quote Calculator This calculator allows you to calculate your insurance premium for ‘Death only’ or ‘Death and Total and Permanent Disablement’ based on the premiums set by the Scheme's insurer. For further information on insurance please contact the Scheme.

Salary Continuance Quote Calculator This calculator allows you to calculate the premium payable for ‘Salary Continuance’ insurance. The premiums are set by the Scheme's insurer. For further information on insurance please contact the Scheme.

Superannuation and Account-Based Pension (formerly Allocated Pension) Calculator This calculator is being reviewed and is currently unavailable, we apologise for the inconvenience.

Budget Planner Spreadsheet Working out a realistic budget will identify what capacity you have to save or fund your goals. For your convenience, we have provided you with an online Budget Planning Tool. To view the budget planner, please click on the following link Budget Planner Spreadsheet and then save a copy to your hard drive. This will enable you to keep your budget up to date as you can then revisit it as you need. How to save your Budget Planner to your hard Drive Step 1: Click on the link and you will get a message asking if you would like to open or save the file. Step 2: Select save and choose a location on your hard disk.

Budget and Loan Repayment Calculators This link allows you to view the Budgeting and Loan Repayment Calculators offered through our financial planning company, FuturePlus Financial Services.