Pop in a few numbers and get a rough picture — super runway, Age Pension estimate, and whether there’s a gap between what you spend and what you can afford. Takes about a minute.
How it works
Made for Australians heading into retirement (or already there). Nothing fancy — just your details and a straightforward estimate.
Your age, super balance, what you spend each year, and whether you’re single, a couple, and a homeowner. No account needed.
You’ll get how long your super might last, a rough Age Pension figure, any income gap, and a chart you can actually follow.
Grab the free guide if you want something in writing, or double-check the rules on the official Services Australia assets test page.
Why use this
It’s not personal advice — just a starting point — but it reflects how super and the Age Pension tend to work together in Australia.
As your super drops, your pension often goes up. That trade-off is built into the estimate.
We factor in those minimum drawdown amounts you’re required to take each year.
Single or couple, homeowner or not — the assets test limits are different, and we account for that.
The calculator runs in your browser. We don’t see or store what you type in.
Calculator
Change the numbers below to match your situation, then hit calculate.
Age Pension estimate, how long your super might last, and a few plain-English notes.
Want the official word on pension eligibility?
Check on Services AustraliaIdeas to stretch your super further.
Get the free guideThese are rough estimates, not financial advice. Pension numbers especially can differ from what Centrelink actually pays — worth confirming with Services Australia or an adviser before you make big moves.
Learn more
We assume steady spending and returns — life’s messier than that. Use this as a conversation starter, not a crystal ball.
How much super you have affects your pension. Here’s the official assets test on Services Australia.
You have to withdraw a minimum from your pension each year — it steps up as you get older (4% early on, up to 14% later).
Even $5,000–$15,000 a year from part-time work or similar can make a real difference to how long your super holds up.
For advice that’s actually about you, speak to Services Australia or a licensed financial adviser.
FAQ
Yes — no account, no payment. The calculator runs in your browser, so we’re not collecting your super balance behind the scenes.
It’s a ballpark. We use simplified assets test rules, but your real entitlement depends on everything you own, income tests, deeming, and what Services Australia decides. Always worth checking there.
It does. Homeowners and non-homeowners have different asset limits, and couples are treated differently to singles. Pick what matches you in the form.
No — it’s general info to help you think things through. For advice about your actual situation, talk to a licensed financial adviser.
Request our free guide for a plain-English walkthrough, or use the official Services Australia assets test when you’re ready.
Free guide
Used the calculator and want something you can read later? The guide covers the same ground in plain language — super, pension, and a few practical next steps.
Used the calculator? Those numbers aren’t attached to this form — only what you type below. More in our Privacy Policy.
A couple of quick questions so we send you something useful — not a generic wall of text.
Thanks. We’ll send the guide to your email shortly.
