Australian super, Age Pension, healthcare, and property โ all in one place. Fill in what you know on the left; numbers on the right update as you type.
Rules as at 20 September 2026.
Your primary place of residence (PPOR). No rental income and no CGT on sale (main residence exemption applies), unless part is rented or you were away long enough to lose it.
Detailed cashflow, tax, and CGT modelling for each investment property. Uses historical anchors for 2018/2022/2024 purchases; stochastic from 2027 onwards.
"Current rules" apply the law, including the Tax Reform No. 1 Act 2026: from 1 July 2027 the 50% CGT discount applies only to gains accrued before that date, later gains use an indexed cost base with a 30% minimum tax, and established dwellings bought after 12 May 2026 have their rental losses quarantined. The "what-if" scenario lets you vary those settings.
This optional builder estimates your desired annual retirement income from housing, healthcare, travel, lifestyle and other spending. Where possible, values already entered elsewhere are reused. You can either use this total as your Desired annual income or keep entering Desired annual income manually.
Optional modelling for buying, inheriting, selling, or paying off property later. This is excluded from the base projection unless Include in base projection is explicitly selected.
This is a simple scenario input only. It does not model legal, tax, CGT, deceased-estate, trust or super death-benefit rules. Use it only as a rough planning assumption.
This is not a forecast of which crisis happens. It is a test of whether your plan survives the crises you are willing to look at.
โข Temporary travel: Energy Supplement and Pensioner Concession Card stop after 6 weeks. Full Pension Supplement continues for up to 12 weeks, then stops.
โข 26-week rule: After 26 weeks, an AWLR-proportional rate applies if your Australian Working Life Residence is below 35 years. 35+ years = full rate continues.
โข Permanent move: Pension Supplement, Energy Supplement and Pensioner Concession Card stop on departure. AWLR may affect the base rate after 26 weeks.
โข Principal home โ asset test: The home is fully exempt. If you sell and rent, you become a non-homeowner; higher thresholds apply but sale proceeds are assessable for 24 months unless reinvested.
โข Return to AU: Leaving again within 2 years of returning and starting Age Pension may stop payments (exceptions: SSA countries, humanitarian visas).
โข Healthcare: Medicare does not cover overseas treatment. Private international health insurance strongly recommended.
โข Super: Access rules (age 60+) apply regardless of residency. Some funds close accounts for permanent overseas residents โ check with your fund.
โข Tax: Foreign residents lose the tax-free threshold and pay 30% on AU-sourced income from the first dollar. Double Tax Agreements may reduce this for SSA countries.
Run the calculation to see your enhanced summary and top drivers here.
What-if sliders coming online โ wire to engine in advanced-v2.js.
Today's $ = inflation-adjusted purchasing power (real dollars). Nominal (future $) = raw future-dollar amounts before inflation adjustment.
| Year | Age | Super | Other liquid | Total assets | Withdraw | Age Pension | Income | Expenses/mo (today's $) | Home loan |
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Run the Monte Carlo or Stress Test tool to see your risk profile and scenario results here.
Enter your details and click Run simulation or use the ๐ก AI suggestions tool to see prioritised suggestions and scenario comparisons.
Enable an overseas destination above, then click the Overseas Plan tool to see destination-specific pension portability, cost of living, tax and risk analysis.
Disclaimer: Educational and planning purposes only. Results are estimates based on inputs and should not be considered financial advice. Australian tax, superannuation, and pension regulations change. Consult a qualified financial adviser.