How does retirement look at your age and balance?
Each scenario below runs the same retirement engine used in the Advanced Calculator, under fixed assumptions, so you can see roughly how income, drawdowns, and Age Pension interact for different starting points. Pick the combination closest to you, then open the Advanced Calculator to model your own numbers.
1
Pick a scenario
Find your age group and the super balance closest to yours.
2
Read the numbers
See illustrative maximum sustainable income, Age Pension interaction, and a 4% draw comparison.
3
Run your real numbers
Every scenario links to the Advanced Calculator where you enter your actual situation.
General information only. All scenarios use fixed assumptions (single, homeowner, balanced long-run returns, 0.5% p.a. fees). Numbers are illustrative, not personal advice, and depend heavily on assumptions. SuperCalc Pro does not hold an AFSL. Seek advice from a licensed adviser before acting.
Retire at 60
Super is now accessible, but Age Pension doesn't start until 67. These pages show illustrative sustainable income, how the 7-year gap plays out, and what the balance looks like when pension eligibility arrives.
$250,000 super at 60
Median $35k — range $31k–$39k/yr
7 years to Age Pension age · bridge & drawdown
$400,000 super at 60
Median $43k — range $38k–$51k/yr
7 years to Age Pension age · bridge & drawdown
$500,000 super at 60
Median $49k — range $43k–$58k/yr
7 years to Age Pension age · bridge & drawdown
$750,000 super at 60
Median $59k — range $53k–$72k/yr
7 years to Age Pension age · bridge & drawdown
Retire at 62
Five years before Age Pension eligibility. A common transition point — these pages show the bridge, how much of the gap super needs to cover, and what happens once pension kicks in at 67.
$250,000 super at 62
Median $38k — range $35k–$42k/yr
5 years to Age Pension age · bridge & drawdown
$400,000 super at 62
Median $47k — range $41k–$54k/yr
5 years to Age Pension age · bridge & drawdown
$500,000 super at 62
Median $52k — range $46k–$61k/yr
5 years to Age Pension age · bridge & drawdown
$750,000 super at 62
Median $61k — range $53k–$74k/yr
5 years to Age Pension age · bridge & drawdown
Retire at 65
Two years before Age Pension age. A short bridge, but assets are still assessed when pension eligibility arrives. These pages show sustainable income, how the balance changes, and when pension phases in.
$250,000 super at 65
Median $43k — range $39k–$48k/yr
2 years to Age Pension age · bridge & drawdown
$400,000 super at 65
Median $52k — range $45k–$59k/yr
2 years to Age Pension age · bridge & drawdown
$500,000 super at 65
Median $56k — range $48k–$65k/yr
2 years to Age Pension age · bridge & drawdown
$750,000 super at 65
Median $64k — range $55k–$77k/yr
2 years to Age Pension age · bridge & drawdown
Retire at 67
Age Pension eligibility from day one. Whether you receive a full, part, or no pension depends on your assets and income. These pages show how the taper plays out as super draws down over time.
$250,000 super at 67
Median $47k — range $42k–$53k/yr
Age Pension eligible · likely full or near-full pension
$400,000 super at 67
Median $55k — range $47k–$63k/yr
Age Pension eligible · part pension, taper applies
$500,000 super at 67
Median $59k — range $50k–$68k/yr
Age Pension eligible · part pension, taper applies
$750,000 super at 67
Median $67k — range $56k–$79k/yr
Age Pension eligible · above threshold initially, pension phases in later
$1,000,000 super at 67
Median $77k — range $65k–$94k/yr
Age Pension eligible · above threshold initially, pension phases in later
$1,250,000 super at 67
Median $91k — range $74k–$115k/yr
Age Pension eligible · above threshold initially, pension phases in later
Retire at 70
Three years past Age Pension age — many Australians work longer by choice or necessity. At 70, the pension is already in payment and minimum drawdown rates start climbing. These pages show how the balance and combined income hold up to age 95.
$250,000 super at 70
Median $48k — range $43k–$53k/yr
Age Pension eligible · likely full or near-full pension
$400,000 super at 70
Median $57k — range $48k–$64k/yr
Age Pension eligible · part pension, taper applies
$500,000 super at 70
Median $61k — range $52k–$69k/yr
Age Pension eligible · part pension, taper applies
$750,000 super at 70
Median $70k — range $58k–$82k/yr
Age Pension eligible · above threshold initially, pension phases in later
$1,000,000 super at 70
Median $81k — range $67k–$98k/yr
Age Pension eligible · above threshold initially, pension phases in later
$1,250,000 super at 70
Median $96k — range $75k–$119k/yr
Age Pension eligible · above threshold initially, pension phases in later
These are starting points, not your answer
Your income, couple status, homeownership, other assets, and spending patterns all change the picture. The Advanced Calculator models your actual situation with 98 years of real market history.
Open Advanced Calculator