How Pension Pilot’s retirement planning tool works
Pension Pilot guides you through household details, retirement spending, super and timing assumptions before bringing the scenario into an educational report. This page explains the steps and the information to have ready.
Designed to feel guided, not overwhelming
Start with the basics, move through the process in stages, and open deeper assumptions only when they are useful to the household.
Free check + spending
Keep the household expenses planner available as a free standalone tool for people who want a spending worksheet.
Household basics
Capture single/couple status, homeowner status, and ages so the calculator can apply the right retirement and pension context.
Super and income targets
Add super balances, salaries, contributions, and target income bands so the pathway has real numbers behind it.
Timing, assets, and pension assumptions
Add other assessable income, employment income, drawdown timing, financial assets, non-financial assets, CPI stress, and fee assumptions.
Request the PDF report
Review the scenario, request the plain-English report, and use its assumptions, warnings and check questions to prepare for Services Australia or adviser conversations.
What makes the Pension Pilot flow different.
Less overwhelm
People do not need to know every pension term before they start. The process should teach while it guides.
Circumstances to check separately
Mixed-age couples, different retirement dates, employment after pension age, and foreign-pension flags matter. The flow is designed to surface those real-world wrinkles.
Built for pre-adviser clarity
This site helps Australians get organised, understand the shape of their situation, and make better use of professional advice where formal personal advice is required.