Account Based Pension Calculator
See how long your super or account-based pension will last in retirement at the income you want to draw, and a sustainable drawdown rate.
How we estimate this
An account-based pension pays you an income from your super in retirement. You choose how much to draw (above a legislated minimum that rises with age), and the balance keeps earning until it’s exhausted. Drawing more than your returns means the balance falls over time.
Pricing reviewed: June 2026.
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Understanding account based pensions in Australia
An account-based pension pays you an income from your super in retirement. You choose how much to draw (above a legislated minimum that rises with age), and the balance keeps earning until it’s exhausted. Drawing more than your returns means the balance falls over time.
A common rule of thumb is a sustainable drawdown of around 4–5% of the balance a year, but the right rate depends on your returns, how long you need the money to last, and whether the Age Pension will top you up later. This tool simulates how long your balance lasts at your chosen income and return.
Frequently asked questions
How long will my super last?
It depends on your balance, how much you draw, and your investment return. This calculator simulates the drawdown year by year.
What’s the minimum drawdown?
Account-based pensions have a legislated minimum that increases with age (e.g. 4% under 65, rising in later years).
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