Estimate how much income your super will provide in retirement and how long it will last.
Updated October 2026Built and checked by MaverickHow it's calculatedReport an error
Years lasting
12 years
until age 79
Age Pension
Part
$19,154/yr from 67
Total income
$69,154
super draw + pension
Year 1 withdrawal
$50,000
from super
In today's dollars: the line drops as you withdraw and grows with returns above inflation. If it hits zero, only the Age Pension is left.
Your drawdown from super, plus the Age Pension estimated on today's means test from Age Pension age.
The same income and inflation at other returns. Higher-growth investments can earn more over time but fall further in bad years.
How long will your super last in retirement? This calculator draws your chosen income from your balance each year, in today's dollars, at the return and inflation you assume, and shows when it runs out. It adds an Age Pension estimate on the current means test for what is left at Age Pension age.
Across 50 MySuper products, the typical return over the ten years to 30 June 2026 was 8.0% a year after fees and tax, and the typical fee on a $50,000 balance was $408 a year, from APRA's data.
From 20 September 2026, the full Age Pension is $1,237.70 a fortnight for a single and $1,866.00 for a couple together. It next changes on 20 March 2027.
Maria retires at 67 with $700,000 in super. She wants $55,000/year and owns her home.
At 5% returns and 2.5% inflation, Maria's super lasts 16 years, to about 83, and the current means test gives her a part Age Pension of about $3,550 a year on top. Drawing $50,000 instead stretches it two more years, to about 85.
David retires at 60 with $900,000 and wants $65,000/year. He can't receive the Age Pension until 67.
At 5% returns and 2.5% inflation, David's super lasts 18 years, to about 78. What is left at 67 qualifies him for a part Age Pension of about $13,300 a year on today's means test.