TBC
TBC
Include any before-tax income you currently receive from employment or investments. Do not include super income or the age pension.
Include any before-tax income you currently receive from employment or investments. Do not include super income or the age pension.
Include all assets that you expect to have when you retire. These assets are used in the calculation of the Age Pension means test and include the following:
Include all assets that you expect to have when you retire. Common types of investment assets are:
Net investment return after taxes during pension phase.
If you're in an How to invest in stocksFund you've got nothing to worry about because these funds have never paid sales commissions or on-going advice fees.
This helps to determine your age pension entitlements.
The ASFA Retirement Standard provides an estimation of expenses to maintain a healthy, vital and connected lifestyle in retirement. This is a guide only and you should adjust the default value to suit your own needs.
To adjust this amount and see the impact on future plans, go back to the previous step or scroll down further on this page.
This calculator assumes you are about to retire or have already retired. It demonstrates how the age pension can work in conjunction with your super drawdown and any other income that you earn. This is based on certain assumptions.
The assumptions used in this calculator are, in our opinion, reasonable for the purposes of working out the estimates. The assumptions are based on objective evidence on long-term net returns, fees and relevant economic forecasts.
Your retirement outcome will be affected by many things including taxation laws, fees, investment returns and regulatory changes. Some factors that may affect your retirement outcomes may not have been taken into account.
Outcome is based on your fees being deducted annually and your investment returns being credited to your account annually.
With the exception of fixed statutory assumptions, you can alter default assumptions to the extent that they can be reasonably expected to change. It should be noted that any change to the assumptions will apply for the whole of the calculation period. Any changes made to the default assumptions is likely to impact the final results. Over time small changes can have a significant impact on final results.
While we have made every effort to ensure these assumptions are reasonable, you should review them to match their own expectations/circumstances and not take them as the most appropriate assumption in all cases.
The tool is not intended to be relied upon for the purposes of making a financial decision. Consider a fund's PDS and your objectives, financial situation and needs, which are not accounted for in this information before making an investment decision. You are responsible for your own investment decisions and should obtain specific, individual advice from a financial services licensee before making any financial decisions.
The projected outcome uses the following assumptions and settings. These can be adjusted to suit your own situation. If you have included your partner, these assumptions and settings apply to both of you.
The outcome relies on the following fixed assumptions and settings:
Australia¡¯s standard pension rate varies depending on whether you are single or a couple, your living arrangements, if your partner is working, and if you have other income or assets. If you are eligible Centrelink will calculate your payment based on these factors.
In fact, Centrelink does two calculations: once using the asset test and once using the income test. You then you receive the lower amount of the two.
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