Retirement,
modelled.
When can you retire, what will the income gap be, and how does business owner exit timing change everything? Project the path before you commit.
The Age Pension still sits under most retirements.
You can reach your super at 60, the average Australian retires at about 64, and the Age Pension starts at 67 — and roughly three in five people over 65 draw at least part of it. Whether the pension is a top-up or the whole plan comes down to your balance, so it is worth modelling when you can retire, the income gap you are closing, how your pension drawdown runs the balance down, and — if you own a business — what the sale actually leaves you.
How over-65s are funded
Fully self-funded retirement is still the minority position. Most people over 65 draw at least a part Age Pension — the payment tapers as your assets and income rise, rather than switching off, so a modest super balance and a part pension usually run side by side.
All Retirement calculators
3 calculatorsWhen Can I Retire?
Enter your super balance, contributions, and target income to find your retirement date using the 4% drawdown rule.
Retirement Income Gap
Calculate the gap between your projected retirement income and what you need, including Age Pension estimates.
Business Owner Retirement
Model your retirement after selling a business — including small business CGT concessions and the $500K retirement exemption.
Retirement Planning in Australia
Retirement planning in Australia sits at the intersection of superannuation, tax, the Age Pension, and personal investment. Getting it right means understanding how each of these pieces interact — and most Australians are surprised by how much difference a few smart decisions can make.
The 4% Drawdown Rule
A widely-used guideline is the 4% rule: you can sustainably withdraw 4% of your portfolio each year in retirement without running out of money over a 30-year period. This means to generate $80,000 per year, you'd need a retirement portfolio of $2,000,000. Our retirement calculators use this framework to estimate when your super and savings can support your target income.
The Age Pension
The Australian Age Pension provides a safety net for retirees — currently up to around $31,223 per year for singles and $47,070 for couples combined, including supplements (maximum rates from 20 March 2026). Eligibility requires being age 67 or older, and the pension is subject to both income and assets tests. Many Australians qualify for at least a part-pension, which significantly supplements a modest super balance. Our retirement income gap calculator includes Age Pension estimates based on your projected assets.
Superannuation Preservation Age
You can access your super when you reach your preservation age (currently 60 for most Australians), and you've either retired or started a Transition to Retirement strategy. Withdrawals from super after age 60 are generally tax-free. This makes super one of the most tax-effective retirement vehicles available.
Small Business CGT Concessions
If you're a business owner, you have access to powerful CGT concessions when you sell. The 15-year active asset exemption, the 50% active asset reduction, and the $500,000 retirement exemption can dramatically reduce — or eliminate — CGT on a business sale. Our Business Owner Retirement calculator models these concessions so you can see the real after-tax proceeds.