Combined Retirement Calculator¶
Model super, retirement, and pension for one or two people. Adjust sliders to explore scenarios. All figures are estimates — not financial advice.
Working
Super only
Super + Pension
Pension only
Your details¶
Current age 63
Retirement age 70
Current super balance $250,000
Annual salary $85,000
Partner's details¶
Current age 54
Retirement age 67
Current super balance $100,000
Annual salary $60,000
Assumptions (shared)¶
Investment return (p.a.) 6%
Inflation (p.a.) 2.5%
Super guarantee rate 11.5%
Household income target (p.a.) $80,000
Your voluntary contributions¶
Salary sacrifice (pre-tax)
Amount per year $5,000
Taxed at 15% inside super instead of your marginal rate.
After-tax contributions
Amount per year $3,000
No extra tax. Can be withdrawn tax-free after 60.
Partner's voluntary contributions¶
Salary sacrifice (pre-tax)
Amount per year $5,000
Taxed at 15% inside super instead of marginal rate.
After-tax contributions
Amount per year $3,000
No extra tax. Can be withdrawn tax-free after 60.
Age Pension¶
Include Age Pension
Status: Single Married
Single rate $31,223/yr
Couple rate (each) $23,535/yr
Pension access age 67
Check latest rates ↗ Updated Mar 2026
Eligibility notes:
Income and assets tests apply. In Combined tab, each person receives the pension from their access age. Confirm with Services Australia before relying on these figures.
Mine Partner Combined
Your retirement projection¶
Years working
—
until retirement
Super at retirement
—
estimated balance
Drawdown from super
—
per year needed
Super lasts until age
—
—
Target lifestyle
$80,000/yr
From Age Pension
—
From super drawdown
—
Super balance over time¶
How super grows to retirement¶
Retirement income breakdown¶
Quick scenarios¶
Early retirement (60) Your situation (70) Conservative returns Aggressive saving
Your actual figures based on the details you provided.
Year by year summary¶
| Age | Phase | Contributions | Investment growth | Drawdown | Balance |
|---|---|---|---|---|---|
This calculator provides general estimates only and is not financial advice. Figures assume consistent returns and inflation, which will vary. Age Pension eligibility depends on government means testing which changes periodically. Fund fees (typically 0.5–1%/yr) are not included and will reduce actual returns. Consult a licensed financial adviser and Services Australia for advice specific to your situation.