Australian Age Pension Eligibility Calculator
Estimate your Age Pension after the assets test and income test (whichever gives the lower amount).
Inputs
How it works
Age Pension uses the lower of the assets- and income-test results. Home is exempt from the assets test. Thresholds change annually; this uses 2025 single-homeowner rates.
Frequently asked questions
Is this guaranteed?
No — these are projections that assume your inputs hold. Real markets and life are variable.
What's the 4% safe-withdrawal rule?
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
Should I max out my 401(k)?
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth vs. Traditional?
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
When should I start saving?
Immediately. The single biggest variable in retirement success is years of compounding.