# Pension Pilot


## Pages

- [Retirement resources for Australians](https://pensionpilot.com.au/useful-retirement-resources-for-australians/): Find useful Australian retirement information in one place, including official guidance on super, Age Pension, budgeting and getting help.
- [Terms](https://pensionpilot.com.au/terms/): Pension Pilot Terms of UseThese terms apply to your use of the Pension Pilot website and its calculators, estimates and reports.
- [Privacy](https://pensionpilot.com.au/privacy/): Pension Pilot Privacy NoticePension Pilot is an Australian retirement-planning information service.
- [How much Age Pension will you get? Watch the explainer](https://pensionpilot.com.au/how-much-age-pension-will-you-get-watch-the-video/): Watch Pension Pilot’s short introduction to how the Age Pension assets test and income test work together.
- [How much can I earn and still get Age Pension?](https://pensionpilot.com.au/how-much-can-i-earn-and-still-get-age-pension/): You can work and receive Age Pension in some circumstances.
- [Age Pension rates and thresholds 2026](https://pensionpilot.com.au/age-pension-rates-and-thresholds-2026/): Updated 12 September 2026. Age Pension payment rates and means-test thresholds can change during the year.
- [Can I get the Age Pension? Australian eligibility guide](https://pensionpilot.com.au/can-i-get-the-age-pension-eligibility-guide-for-australians/): You may qualify for the Australian Age Pension if you meet the age and residence rules and the relevant income and assets tests.
- [AustralianSuper, Aware & HESTA Calculators](https://pensionpilot.com.au/australiansuper-aware-hesta-vs-pension-pilot/): This guide compares published descriptions of AustralianSuper, Aware Super and HESTA retirement tools with Pension Pilot’s educational report.
- [Age Pension and Super Glossary](https://pensionpilot.com.au/retirement-glossary-faq/): Use this glossary to understand common Australian retirement terms, from Age Pension means tests and deeming to super access, contribution caps and drawdowns.
- [Transition to Retirement (TTR)](https://pensionpilot.com.au/transition-to-retirement-strategy/): A transition-to-retirement income stream can provide payments from super while you keep working, subject to eligibility and payment rules.
- [Work Bonus and the Age Pension](https://pensionpilot.com.au/work-bonus-age-pension/): The Work Bonus can reduce eligible work income counted under the Age Pension income test. Unused amounts may build up in an income bank for later work.
- [Home Equity Access Scheme](https://pensionpilot.com.au/home-equity-access-scheme/): The Home Equity Access Scheme, formerly the Pension Loans Scheme, is a government loan secured against Australian real estate.
- [Commonwealth Seniors Health Card](https://pensionpilot.com.au/commonwealth-seniors-health-card/): The Commonwealth Seniors Health Card may be worth checking if you have reached Age Pension age and do not receive an income support payment.
- [Downsizer Super Contribution](https://pensionpilot.com.au/downsizer-super-contribution-australia/): A downsizer super contribution may let eligible people add home-sale proceeds to super under a separate set of rules.
- [Super contribution caps and pension drawdown rules](https://pensionpilot.com.au/super-contribution-caps-australia/): Check super contribution caps for the relevant financial year before adding money to super.
- [Aged Care Planning Basics](https://pensionpilot.com.au/aged-care-planning-basics/): Aged care planning involves care needs, possible fees, accommodation and the way income and assets are assessed.
- [Downsizing and the Age Pension](https://pensionpilot.com.au/downsizing-and-the-age-pension/): Downsizing can change how your assets and income are assessed for Age Pension.
- [Pension Pilot vs MoneySmart Guidance](https://pensionpilot.com.au/pension-pilot-vs-moneysmart/): Moneysmart offers free Australian Government retirement guidance and calculators. Pension Pilot provides a plain-English educational retirement report.
- [Pension Pilot vs a Super Fund Calculator](https://pensionpilot.com.au/pension-pilot-vs-super-fund-calculator/): Super fund retirement calculators can help explore super, retirement income and potential Age Pension. Features vary between providers and individual tools.
- [Pension Pilot vs a DIY Retirement Spreadsheet](https://pensionpilot.com.au/pension-pilot-vs-diy-calculator/): A DIY retirement spreadsheet gives you flexibility over the model, while Pension Pilot provides guided inputs and a plain-English educational report.
- [Pension Pilot vs a Financial Adviser](https://pensionpilot.com.au/pension-pilot-vs-financial-adviser/): An educational retirement calculator or report can help organise your numbers and questions.
- [One-time code](https://pensionpilot.com.au/one-time-code/): Enter your one-time code here to unlock or continue your Pension Pilot report flow.
- [Retirement Bridge Years Before Age Pension](https://pensionpilot.com.au/retirement-bridge-years-before-age-pension/): Plain-English bridge-years guide for Australians retiring before Age Pension age.
- [Age Pension Calculator Australia](https://pensionpilot.com.au/age-pension-calculator-australia/): Plain-English Age Pension calculator guide for Australians covering assets test, income test, deeming, homeowner status and common estimate differences.
- [Sample Retirement Report Australia](https://pensionpilot.com.au/sample-retirement-report-australia/): See what a Pension Pilot retirement report covers: spending, super drawdowns, Age Pension estimates, bridge years, assumptions and adviser-prep questions.
- [Financial vs Non-Financial Assets Age Pension](https://pensionpilot.com.au/financial-vs-non-financial-assets-age-pension/): Guide to separating financial and non-financial assets for Australian Age Pension estimates, assets-test pressure and deeming.
- [Non-Homeowner Age Pension Assets Test Australia](https://pensionpilot.com.au/non-homeowner-age-pension-assets-test/): Plain-English guide to Age Pension assets-test thresholds for Australian non-homeowners, including deemed income and income-test checks.
- [Mixed-Age Couples Age Pension Australia](https://pensionpilot.com.au/mixed-age-couples-age-pension/): Guide for Australian mixed-age couples where one partner reaches Age Pension age before the other, including younger-partner super, work income and bridge years.
- [Age Pension Means Test Calculator Guide Australia](https://pensionpilot.com.au/pension-means-test-calculator-guide/): Plain-English guide to the Australian Age Pension means test, comparing the assets test, income test, deeming, Work Bonus and the lower-result rule.
- [When to start an account-based pension](https://pensionpilot.com.au/when-to-start-account-based-pension/): A general guide to timing an account-based pension and why it should be modelled with spending and Age Pension context.
- [Super Drawdown Before Age Pension](https://pensionpilot.com.au/super-drawdown-before-age-pension/): Guide to drawing super before Age Pension age and modelling bridge-year funding pressure.
- [Couples retirement planning Australia](https://pensionpilot.com.au/couples-retirement-planning-australia/): Why couples need household retirement modelling across two ages, two super balances and shared spending.
- [Retirement expenses checklist](https://pensionpilot.com.au/retirement-expenses-checklist-australia/): Use this checklist to build a practical spending target before modelling retirement income.
- [How much super do I need to retire?](https://pensionpilot.com.au/how-much-super-do-i-need-to-retire-australia/): A practical way to think about super needs using expenses, timing, Age Pension and household assumptions.
- [Retire Before Age Pension Age](https://pensionpilot.com.au/retire-before-age-pension-age/): Guide to retiring before Age Pension age, bridge years, super access, spending targets and means-test timing.
- [Age Pension income test calculator guide](https://pensionpilot.com.au/age-pension-income-test-calculator-guide/): Understand work income, passive income, deeming and why the income test can reduce pension estimates.
- [Age Pension assets test calculator guide](https://pensionpilot.com.au/age-pension-assets-test-calculator-guide/): Understand what the assets test looks at before you estimate Age Pension pressure.
- [Retiring Before Age Pension Age in Australia](https://pensionpilot.com.au/retiring-before-pension-age/): Bridge-year retirement planning for Australians stopping work before Age Pension age, including super drawdowns, spending, and Age Pension timing.
- [Deeming rates and Age Pension](https://pensionpilot.com.au/deeming-rates-age-pension/): A plain-English guide to deeming and why financial assets can affect Age Pension income-test estimates.
- [Age Pension income test](https://pensionpilot.com.au/age-pension-income-test/): The Age Pension income test assesses income for you and, if applicable, your partner.
- [Age Pension assets test: limits for singles and couples](https://pensionpilot.com.au/age-pension-assets-test/): The Age Pension assets test looks at what you and your partner own and applies different limits for homeowners and non-homeowners.
- [Report Preview](https://pensionpilot.com.au/report-preview/): Explore how Pension Pilot organises a retirement report: household inputs, modelling assumptions, a projection timeline and questions to check.
- [Bridge Years Planning](https://pensionpilot.com.au/bridge-years-planning/): Retirement bridge years are the years your household needs to fund between stopping work and the start of other income.
- [Retirement Income Planning](https://pensionpilot.com.au/retirement-income-planning/): Build a retirement income plan around what your household expects to spend and where the money could come from.
- [Retirement Assumptions](https://pensionpilot.com.au/retirement-assumptions/): Answer one assumption question at a time.
- [Retirement Details](https://pensionpilot.com.au/retirement-details/): Super, salary, contributions and the income targets your report will test.
- [Plan Your Retirement](https://pensionpilot.com.au/plan-your-retirement/): Start with your household details and work through Pension Pilot’s guided retirement planning inputs.
- [Start Free Check](https://pensionpilot.com.au/start-here/): Answer a few simple questions to get a clearer sense of where you stand, then unlock your full Pension Pilot report.
- [Tools and Pricing](https://pensionpilot.com.au/tools-and-pricing/): Calculator access is currently free for invited testing.
- [Household Expenses Planner](https://pensionpilot.com.au/household-expenses-planner/): Estimate your household spending and get a free summary.
- [About Pension Pilot](https://pensionpilot.com.au/about/): Pension Pilot is an Australian educational retirement planning tool created by Mick Tabone.
- [Super & Retirement Timing](https://pensionpilot.com.au/super-and-retirement-timing/): The date you stop working, the date you can access super and the date you may qualify for Age Pension are separate milestones.
- [Age Pension Guide](https://pensionpilot.com.au/age-pension-guide/): The Australian Age Pension is a means-tested government payment for eligible older Australians.
- [How It Works](https://pensionpilot.com.au/how-it-works/): Pension Pilot guides you through household details, retirement spending, super and timing assumptions before bringing the scenario into an educational report.
- [Contact](https://pensionpilot.com.au/contact/): Answer the staged questions and see your numbers.
- [Home](https://pensionpilot.com.au/): Use Pension Pilot’s Australian retirement planning tool to explore household spending, super drawdowns, retirement timing and Age Pension estimates.

## Optional

- [Agent (MCP protocol)](websites-agents.hostinger.com/pensionpilot.com.au/mcp)

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