← Super calculator
Retirement income · 2025–26

How Long Will My Super Last?

Enter your super balance and income target to see exactly how long your money lasts — with three scenarios and a full year-by-year breakdown. Works for singles and couples.

ATO minimum drawdown rates applied ASFA benchmarks March 2025 Aged pension auto-estimated Single & couple mode No sign-up required
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Results carried over from Super Calculator Your projected balance has been pre-filled below. Adjust any figure to run your own scenarios.
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Model as a couple
Add your partner's super balance and use combined income targets
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Your super balance at retirement

$
yrs
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Target retirement income

$/yr
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Investment return in retirement

🏛️

Aged pension

Estimated aged pension: —/yr based on your balance and assets test
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Life expectancy

yrs
ABS average: 85 male, 88 female. Use 90+ to plan conservatively.
Base scenario — how long your super lasts
—
calculating…
Total income/yr
—
super + pension
Weekly income
—
in today's dollars
Aged pension
—
estimated p/a
Total balance
—
at retirement

Three scenarios — pessimistic, base & optimistic

Investment markets are unpredictable. Here's how long your super lasts across three different return assumptions.

Pessimistic
2% return
—
—
Base case
5% return
—
—
Optimistic
7% return
—
—

Year-by-year retirement breakdown

Base scenario · all figures in today's dollars (2.5% inflation-adjusted) · ATO minimum drawdown rates applied

Age Opening balance Min drawdown Income drawn Aged pension Total income/yr Weekly income Closing balance
ATO min drawdown: 55–64 → 4% · 65–74 → 5% · 75–79 → 6% · 80–84 → 7% · 85–89 → 9% · 90–94 → 11% · 95+ → 14% · Pension estimate based on assets test only
General information only — not financial advice. Projections are estimates. Actual outcomes depend on investment returns, fees, legislation and personal circumstances. Australian Life Costs does not hold an AFSL. Consult a licensed financial adviser before making retirement decisions.

Sources: ATO minimum drawdown rates · ASFA Retirement Standard March 2025 · Services Australia pension rates 2025–26