Super Drawdown Calculator

Level $ CPI-indexed SIS minimum

Level: same dollar amount each year · Indexed: drawdown grows with CPI · SIS minimum: 4%-14% of balance, stepping up with age

Annual drawdown amount

Tap a preset to load the ASFA benchmark for your household. You can still edit the amount.
Sep 2025 standard: Modest $35,199 / $50,866 · Comfortable $54,240 / $76,505 (single/couple, homeowners).

Spending phases today's dollars

Model higher early "go-go" spending stepping down to a baseline later. The SIS minimum still applies as a floor each year.

Age Pension

Other assessable assets (cars, contents, investment property)

Household and homeowner status are taken from the About You section above.

How the Age Pension is applied: any pension you're eligible for offsets your drawdown — your super only funds the gap between your spending amount and the pension, so it lasts longer. Two boundaries apply: (1) the SIS minimum is still a hard floor, so if the legal minimum is higher than that gap you'll draw the minimum and your total income runs slightly above your target; and (2) on the SIS minimum drawdown style there's no spending target to offset against, so the pension is treated as additional income on top. Pension begins at your Age Pension age (derived from your DOB).

About You

Your Pension Account

Drawdown Style

Age Pension

Balance Trajectory & Annual Income

Year-by-year Detail