Australia Super & Pension Calculator — How Long Will My Super Last?

Q: How long will my super last in retirement?

At a 4% withdrawal rate a balance is designed to last roughly 30 years. The honest answer is a probability rather than a duration: it depends on your asset mix, what returns actually arrive and in what order, and how fast inflation raises your spending. This calculator reports it as the percentage of 500 simulated market histories in which the money survives to your life expectancy.

Q: Can I retire at 60 with A$400,000?

A$400,000 supports about A$1,333 per month at a 4% withdrawal rate before the Age Pension. Retiring at 60 means funding roughly 27 years, which is a long time for that balance to stretch on its own — age 60 is when super becomes accessible for anyone born after June 1964, but the means-tested Age Pension doesn't start until 67 and changes the picture substantially for most retirees.

Q: How much super do I need to retire?

A common rule of thumb is 25 times your annual spending, which is the 4% rule stated backwards. If you spend A$40,000 a year, that's A$1 million. Spending is the input that matters most because it sets both the target and the withdrawal.

Q: Does this include the Age Pension?

Not yet. Every figure comes from your own superannuation and investment account savings, so the results are conservative. The Age Pension is a separate, means-tested payment from Services Australia starting at 67 (the qualifying age is now fully phased in) and covers a meaningful share of retirement income for many Australians, especially those with smaller super balances.

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Plan Your Retirement Journey

Project your superannuation and investment account to your retirement date, estimate the income they'd support at a safe withdrawal rate, and stress-test the plan against market randomness with a Monte Carlo simulation.

Inflation

Withdrawal

Life expectancy

yrs

Monthly Retirement Income

A$0

As 4% from A$0

At age 65

Expenses

M Y

Total Corpus

A$0

Account Projected value

Superannuation —

Investment Account —

Total —

Super & Pension Calculator: How Long Will My Super Last?

This calculator projects your superannuation and investment account to your retirement date, then answers the question that actually matters: how long the money lasts once you stop earning. It runs 500 Monte Carlo simulations rather than a single straight-line projection, so you get the odds your balance outlives you instead of one falsely precise number.

What makes this different

500 simulated market histories, not one average. Most "how long will my super last" calculators apply a fixed return every year. This one varies returns the way markets actually do, and reports the share of outcomes where your balance survives.

Employer Super Guarantee (SG) is counted. The mandatory 12% employer contribution is modeled as a separate stream from your own salary-sacrifice or personal contributions, so you can see exactly how much is genuinely built by your own choices.

Concessional contribution caps are built in. Contribution fields flag when you exceed the 2025/26 concessional cap (A$30,000, combining employer SG, salary sacrifice and personal deductible contributions), and the budget splitter fills superannuation before the taxable investment account.

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Frequently asked questions

How long will my super last in retirement?

At a 4% withdrawal rate, a balance is designed to last roughly 30 years — that's where the number comes from. But the honest answer is a probability, not a duration: it depends on what you're invested in, what returns actually arrive and in what order, and how fast inflation raises your spending. This calculator reports it as the percentage of 500 simulated market histories in which your money survives to your life expectancy.

Can I retire at 60 with A$400,000?

A$400,000 supports about A$1,333/month at a 4% withdrawal rate before the Age Pension. Retiring at 60 means funding roughly 27 years, which is a long time for that balance to stretch on its own — super becomes accessible at 60 for anyone born after June 1964, but the means-tested Age Pension doesn't start until 67 and changes the picture substantially for most retirees.

Is this a retirement calculator, a superannuation calculator, or a pension calculator?

All three, depending on what you call it. It projects your superannuation and other savings forward — a retirement or superannuation calculator — and reports how long the resulting income lasts, which is what most people mean by a "pension calculator" in everyday speech. It does not calculate your government Age Pension entitlement, which is a separate, means-tested payment from Services Australia with its own income and assets tests.

How much super do I need to retire?

A common rule of thumb is 25× your annual spending, which is the 4% rule stated backwards. If you spend A$40,000 a year, that's A$1 million. Spending is the input that matters most — it sets both the target and the withdrawal — which is why this planner asks for your expenses in the FIRE section rather than assuming a percentage of salary.

Does this include the Age Pension?

Not yet. Every figure here comes from your own superannuation and investment account savings, so treat the results as conservative — the Age Pension is a separate, means-tested payment from Services Australia starting at 67 (the qualifying age is now fully phased in), and it covers a meaningful share of retirement income for many Australians, especially those with smaller super balances. Check your eligibility and estimated payment at servicesaustralia.gov.au.

What return and inflation assumptions does it use?

Returns come from your allocation: Australian stocks 7.5%, global stocks 9%, bonds 4% and cash 3% nominal, with volatility of 17%, 19%, 6% and 1% respectively. Inflation defaults to 2.5% and the withdrawal rate to 4%. All of them are editable — these are long-run averages, not forecasts, and your results should be read as a range rather than a prediction.

Estimates only, not tax, investment or retirement advice. Results depend entirely on assumptions that will not match the future exactly. Consult a licensed financial adviser before acting.