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In development — not available to buy yet
A written projection of both partners' super, the Age Pension estimate and the spending you have told us you want — the same engines that run free on this site, computed on your figures, with every assumption and source printed on the page.
How long will our money last? Our free calculators answer half of that question, one balance at a time. This does the other half: both partners together, the pension estimate re-run for every year of the projection, and the whole thing in a document you can read in ten minutes and take to whoever advises you. It projects. It does not tell you what to do, and we are not licensed to.
We have not built this yet. There is no checkout on this page and nothing to pay for. We are deciding whether it is worth two weeks of work, and the honest way to find out is to describe it properly and see who puts their hand up.
When it exists it will be a one-off purchase — expected to be $49, not a subscription, with no account needed. That price is not locked in.
Take a homeowner couple, both 67, with $700,000 of super between them and $45,000 in savings, who want to spend $78,566 a year — the ASFA comfortable couple budget. Here are the two projections side by side, to age 92 at a 2.5% real return. These are figures, not findings about this couple.
What a drawdown calculator tells them: the money covers 11 years, running short at age 77. It is the figure that keeps people awake.
The same spending, the same balance, the same returns — funded for the whole projection, because the pension rises as the balance falls.
The projection is not one-directional, and the report shows both ends of it. At a return two points lower than assumed, this same couple does not fund the full period. The range is part of the output, not a footnote to it.
How long the money lasts at the spending you entered, in years and to what age, on the assumptions you chose. A sentence you can read out to your partner, not a chart you have to interpret.
Both means tests, run against the assets and income you entered — and re-run for every year of the projection, because the estimated payment climbs as the balance falls. This is the part every free calculator leaves out. It is an estimate of the published rules, not an assessment of your entitlement, which only Services Australia can make.
Retire now or keep working to 67. Comfortable spending or modest. With a downsizer contribution or without. The same maths applied to the decisions actually in front of you.
What you must withdraw each year by law once an account-based pension starts, at your ages, stepping up as you get older. People are caught out by this in their seventies.
The same projection at a return two points lower and two points higher, so you can see how much of the answer is the market rather than your balance. No jargon.
The questions these figures raise, written down so you can walk in with them rather than work them out at the desk. The report prepares you for advice; it does not replace it, and it is not permitted to.
Leave your email and we will let you know when the report is ready. That is the whole message — we are gauging whether to build it, so saying yes here genuinely decides it.
We store your address to email you about this one thing, in line with our Privacy Policy. We do not share it and there is no payment involved.
None of this is locked behind the report. The engines behind it already run on the site — the report's value is doing the work for your household and writing it down, not withholding the calculators.
It is not financial advice, and it is not personalised advice. Oz Finance Hub holds no Australian Financial Services Licence and is not a registered tax agent, so we are not permitted to advise you and we will not pretend otherwise. The report is arithmetic: published rates and thresholds applied to the numbers you give us, with every source named and dated. It considers the figures you enter and nothing else — not your objectives, not your health, not your risk tolerance, not the rest of your affairs. For advice about a product or a decision, speak to someone who holds an AFSL.
It reaches no conclusion about whether you are ready to retire. It projects; you decide.
It contains no recommendation — not about a fund, a product, a contribution, a pension start date or a retirement date.
It does not assess your Age Pension entitlement. Only Services Australia can do that. The report estimates the payment the published means tests produce from the figures you give us.
It is not a prediction. Returns are an assumption you choose, and the report shows the same projection at higher and lower returns so you can see how much of the answer is the market.
It is not a subscription in disguise. One payment, one report, no account required and no recurring charge.
Age Pension payment rates effective 20 March 2026 and means-test thresholds and deeming rules effective 1 July 2026, both from Services Australia. Spending benchmarks from the ASFA Retirement Standard (March quarter 2026). Minimum drawdown rates from Schedule 7 of the SIS Regulations. Those rates and thresholds next change on 20 September 2026. Everything on this page, including the worked sample, is calculated by the same engines that run the free calculators — no figure here was typed in by hand. General information only; it does not consider your personal circumstances, and only Services Australia can assess a pension claim.