Will the money outlast you?
Enter age, balance, contributions and an assumed real return. The projection runs in today’s dollars, layers an assets-tested Age Pension estimate on top, and benchmarks the result against the ASFA Retirement Standard.
Interactive retirement readiness calculator
Project your super, add an Age Pension estimate, and compare against the ASFA Retirement Standard — all in today’s dollars.
67 is pension age for most.
Employer SG + your own, after the 15% contributions tax.
Investments you could draw on in retirement.
5% keeps everything in today's dollars.
Estimated annual income in retirement
$136,908
vs ASFA comfortable target of $56,166 — $80,742 ahead
Near the preferred range. Estimated retirement income as a share of the ASFA target
Projected nest egg at 67
$1,846,694
$1,656,096 super + $190,598 other
Sustainable draw to 90
$136,908/yr
Level real drawdown of the nest egg
Age Pension estimate
$0/yr
Assets test only — income test may differ
Illustrative model in today’s dollars using a constant real return. Pension estimate applies the assets test at projected wealth (rates from 20 Sep 2025); the income test, deeming, transition-to-retirement, and drawdown-sequencing are not modelled. ASFA Retirement Standard figures are the June quarter 2026 release. General information — not personal financial advice.
Super projection with a constant real return
Age Pension estimate via the assets test
Funded % vs ASFA modest and comfortable
The ASFA benchmark is the honest yardstick
ASFA publishes quarterly budgets for a modest and a comfortable retirement — June quarter 2026 puts comfortable at $56,166/yr for a single and $78,998 for a couple, assuming home ownership. A projected income above that line means the plan clears the standard; below it, the gap shows how far contributions or the retirement date need to move.
The Age Pension still does heavy lifting
The full pension pays around $31,223/yr for a single and $47,070 for a couple — over half of the comfortable standard before super draws a dollar. The assets test tapers it by $3/fortnight per $1,000 above the free area, so most households land on a part pension plus super drawdown.
What this estimate leaves out
The income test (deeming), contribution caps, sequencing risk, inflation shocks, and housing costs for renters all move the real outcome. Treat the funded percentage as a planning signal, then pressure-test it with Moneysmart’s planner or an adviser.
Frequently asked questions
- Why a real return instead of nominal?
- Expressing everything in today’s dollars keeps the ASFA targets comparable — a 5% real assumption nets inflation out of both sides of the equation.
- Is the pension estimate reliable?
- It applies the assets test to your projected nest egg at the published thresholds. The income test and deeming rules can reduce it further — Services Australia’s estimator gives the exact figure.
- What if I rent in retirement?
- The ASFA modest-renter budget is much higher (~$51k single) and Commonwealth Rent Assistance only partly offsets it. Non-homeowners should read the result conservatively.
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