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See what you keep in retirement.

Explore how wages, Age Pension means tests, tax and the super withdrawals you enter affect your household income.

For people aged 67 or over who meet Age Pension residence rules. The first person is assumed eligible; the partner may be under 67. This is a current-settings illustration, not a forecast.
Enter your details below. Nothing you type ever leaves your device.

Your details

We have started with an example. Change any of it to yours. The chart updates as you type.

Are you single or a couple?

Do you own your home?

Your savings, shares and super, all together

Cash, term deposits, shares, managed funds and your super. Not your home.

Of that, super you draw a pension from

Your account-based pension balance. We show the income you draw from it. From 60, that income is tax free.

Your wages now

What you earn from work now. Leave at 0 to see the whole line.

Your pay rate (for the example line)

$ an hour

Used only for the "one extra hour" line under the chart.

And what picking up some work adds

Cents kept from each extra dollar of wages, by annual wages, for your household.

what you keep what leaves in tax and pension reduction

The line in words

The same chart, split into the zones your household passes through as wages rise.

Your retirement, written up in plain English

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The free tool above is yours to keep. The personalised report turns your numbers into a clear picture you can read at the kitchen table or hand to family, so you know exactly where you stand.

Your total retirement income, broken down: Age Pension, super and any work
Your income across different super balances, and where the assets test starts to bite
What you keep from extra work, and where your pension starts to fall and ends
What happens to your concession card, in plain words
Designed to print and read comfortably, with the sources behind every figure

Open my free report

Open the report, then print or save it as a PDF. Your calculator inputs are not sent to us.

General information only. This tool is not financial advice, not personal advice, and not a Services Australia or ATO determination. It shows how today's published government settings respond to numbers you enter. It never tells you what to do with your money. Your decisions are yours. For decisions about financial products, including super, speak to a licensed financial adviser.

Rates current as at 20 March 2026 (pension), 1 July 2026 (free areas and thresholds), 2026-27 (tax). Data sources: Services Australia, the Department of Social Services and the ATO, cited as data sources, not endorsers. The tax estimate excludes spouse SAPTO transfers, the family Medicare reduction and Medicare levy surcharge. Medicare and SAPTO settings are explained in rates and assumptions. Rent Assistance, pre-2015 grandfathered pensions, DVA pensions and transitional rate pensions are not modelled in this version.

A free resource from J & S Hain Tax Advisory

Numbers first. Tax questions next.

Use the calculators and reports free of charge. If they raise questions about your tax return, business income or accounting, visit J & S Hain Tax Advisory to discuss your circumstances.

Tax & accounting enquiries

Tax and accounting services. These tools do not recommend financial products, investments or superannuation strategies.