Age Pension calculator (March 2025 update)
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income.
Articles by Barbara Drury
Am I eligible for the Age Pension?
A common question for Australians planning their retirement is if, and when, they will be eligible for the Age Pension.
Age Pension income test rules (from March 2025)
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.
Age Pension assets test rules (from March 2025)
This article details the rules and limits of the Age Pension assets test (how much your savings and other assets are worth), which is one half of the means test (along with the income test) that determines how much Age Pension you could be eligible for.
What to do if the market tanks and you’re retired, or close to it
Volatile financial markets make it difficult to plan ahead, but in uncertain times having a plan and sticking to it can make a big difference to your retirement outcome.
How to plan for your retirement
It can be difficult knowing where to start when you are ready to think seriously about retirement, but working through these easy steps will help.
Do SMSFs rely too heavily on bank shares for dividend income?
Interest rates are finally on the way down, raising concerns about bank profits and dividend payments. Should SMSF investors be worried?
What is the cost of living in retirement in Australia?
To understand how much income you will need to fund your desired retirement lifestyle, first you need to work out how much you are likely to spend. Here’s how.
Retirement income rules of thumb: Do they measure up?
If you are getting serious about planning your retirement income needs and don’t know where to start, these handy estimates could help.
SMSFs and insurance: Rules and considerations
Even if you have life insurance outside super or in a pre-existing fund, SMSF trustees are still required to consider their insurance strategy.
Super fund performance reckoners: Annual returns for 5 investment categories
In these reckoners you can view the median super fund returns for 1, 3, 5, 7, 10 and 15 years across five different investment options for the last 10 calendar years and 9 financial years.
Super fund performance over 32 calendar years (to December 2024)
Super funds went above and beyond in 2024, with the median Growth fund up 11.4% and even the most conservative investment options performing strongly.
What are the penalties for SMSF non-compliance?
SMSFs offer a high degree of flexibility and control over your retirement savings, but there are legal guardrails and hefty penalties for trustees who breach them.
The role of cash and bonds in your portfolio and what’s available
High interest rates are loathed by borrowers but they are money in the bank for people seeking reliable income with a high degree of safety from their investments.
Can I get free financial advice?
If you could do with some help with your finances but can’t afford a professional adviser, all is not lost. Free financial advice and digital tools are out there if you know where to look.
2024 year in review, 2025 year in preview
For the second year running, investors had a surprisingly good year in 2024 thanks to moderating inflation, economic growth holding its head above water, falling interest rates (just not in Australia) and buoyant share markets.
Where to find retirement income in addition to super
If you are planning your retirement income and worried you don’t have enough super, don’t forget to factor in other potential sources of income. You may be pleasantly surprised.
Saving for retirement outside super
Super is undoubtedly the most tax effective vehicle for retirement savings, but there are plenty of reasons why you might hold investments outside super to augment your retirement income.
