See how long your super lasts and what your retirement income looks like — with the Age Pension layered in year by year, so the pension picks up more as your balance falls. Plan in the holidays and big-ticket spending you want along the way.
A projection only, using current rates. Markets and your spending will vary — general information, not personal advice.
About you
Your money
Still working / other income (optional)
Your assumptions
Your living expenses are what you spend each year (today's dollars; a super pension is tax-free once you're 60). Each year we draw from super to fund them after the Age Pension, so you can see how long your money actually lasts. For couples, enter your COMBINED super, assets and living expenses (but each partner's work income separately). Any work or other income is taxed at senior rates, reduces how much you draw from super, and is counted in the Age Pension income test (work gets the Work Bonus) — while you're working we also add employer super (12% of wages, less the 15% contributions tax) to your balance, and your final working year counts only up to the stop date. Set "Work income until" for when it stops, or leave it blank. Surplus income above your spending isn't assumed to be saved — a deliberately conservative choice. The home you live in doesn't count for the Age Pension.
Planned one-off & holiday spending (optional)
Add the big things you want your money to do — a trip every year, an overseas holiday every few years, a new car, a home reno. We layer them on top of your living expenses and draw them from super, so you can see what they cost your longevity. Amounts are in today's dollars. How often: "One-off" just needs the start date. For a repeat, pick how often and an "Until" date (or leave it blank to keep going).
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Enter your details above to project your retirement income and how long your super lasts.
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A simplified projection in today's dollars (real return = your return minus inflation). Income is drawn from super each year; the Age Pension (if included) is recalculated each year from your assets and deemed income using current Services Australia rates (max $1,200.90/fn single, $1,810.40/fn couple; income free areas $226/$396 per fortnight, 50c taper; assets test $3/fn per $1,000; deeming 1.25%/3.25%), held constant in real terms. It assumes a tax-free super pension; planned one-off and holiday spending you enter is drawn from super in today's dollars. Work and other income you enter is taxed at current senior rates (tax-free threshold, SAPTO, Medicare) and counted in the Age Pension income test, with the Work Bonus applied to employment income. It excludes fees beyond your net return, aged-care costs, market volatility, changes to legislation and individual circumstances. General information only — not personal advice. Navarino Wealth Pty Ltd.
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Make it personal
This tool shows the general picture — a short chat shows what it means for you. The first meeting is complimentary and no-obligation.
Please read this before you act on any number above.
This superannuation calculator is not intended to be relied on for the purpose of making a decision
in relation to a financial product, and you should consider obtaining advice from a
financial services licensee before making any financial decisions. The assumptions it
uses, and its limitations, are set out on this page — please read them, because they
change the answer. Separately, any general advice here has been prepared without taking
account of your objectives, financial situation or needs; consider whether it is
appropriate for you before acting on it.
Will your super actually last?
The question is simple enough: will the money last? Working it out is not, because three things move at once. Your balance earns a return, inflation raises what your lifestyle costs each year, and the Age Pension quietly grows underneath you as your assets fall.
How the projection works
The calculator runs your position year by year rather than using a single average. Each year it takes your spending, subtracts any Age Pension you are entitled to that year, and draws the shortfall from your super. What is left earns a return, and your spending is raised by inflation for the following year. It repeats that until the money runs out or you reach the end of the projection.
Why the Age Pension matters more than people expect
As your assets fall, your Age Pension entitlement rises. That means the drawdown on your own money slows down over time, which is why a balance that looks like it lasts eight years often lasts considerably longer. The calculator re-tests your entitlement against the income and assets tests every single year at the current rates, rather than assuming a flat figure.
The assumptions, and how to use them
It starts at a 6 per cent return and 2.5 per cent inflation. Both are yours to change, and the honest answer is that the return assumption drives the result more than anything else. Try it a per cent lower before you rely on the number. A plan that only works at 6 per cent is not much of a plan.
It assumes a tax-free super pension, which is the normal position after 60. It does not model couples splitting drawdowns unevenly, transition-to-retirement arrangements, aged care costs, or a market that falls badly in your first few years. That last one matters more than most people realise, because early losses do far more damage than late ones.
It is a guide, not advice. Age Pension rates used are those current at 1 July 2026.
Common questions about making super last
How much super do I need to retire?
There is no single number, because it depends entirely on what you spend and how long you need it to last. That is the point of running your own figures rather than using a rule of thumb. Someone spending $50,000 a year with the Age Pension behind them needs far less capital than the headline numbers suggest.
Does this include the Age Pension?
Yes, and it is the main reason the answer is usually better than people fear. Your entitlement is recalculated every year of the projection under both the income and assets tests, so it rises automatically as your assets fall.
What return should I assume?
The calculator starts at 6 per cent. Whatever you choose, run it again a per cent lower and see what happens. If the plan only survives at the higher number, that is worth knowing now rather than later.
Do I pay tax on my super pension after 60?
Generally no. Once you are over 60 and drawing from a taxed super fund, pension payments are tax free, which is what this calculator assumes.
What is not included?
Aged care costs, transition-to-retirement arrangements, uneven drawdowns between a couple, and the effect of a poor run of returns early in retirement. Any of those can change the picture.
Can I include one-off spending like a holiday or a new car?
Yes. Planned one-off and holiday spending you enter is drawn from the balance in the year you nominate, so you can see what a big trip or a car replacement actually costs you over the long run.
