Retirement
Retirement can last 25 years or more, so a little planning goes a long way. The big questions are how much you'll need, where the money will come from and how to make it last. These guides cover retirement budgets, getting your super out, turning it into a steady income, the Age Pension, aged care and getting your affairs in order.
Start here
Read in this order, or jump to what you need
How much do you need to retire?
Use the ASFA Retirement Standard and your own spending to work out a realistic retirement budget and super target.
2When and how you can access your super
Preservation age, the conditions of release, transition to retirement and the choice between a lump sum and an income stream.
3Turning super into a retirement income
How account-based pensions work, the minimum amounts you must draw each year, the transfer balance cap and other income options.
4The Age Pension explained
Who can get the Age Pension, how much it pays, and how the income test, assets test, deeming and Work Bonus work.
5Aged care basics
How to get aged care through My Aged Care, what changed under the 2025 reforms, and how home care and aged care home costs work.
6Estate planning: wills, powers of attorney and super
Why everyone needs a will, how powers of attorney work, and how to make sure your super goes where you want it to.
Tools
Calculators for retirement
Fin Road Masterclass
Prefer to watch? Retirement on video
Short animated lessons that walk you through it step by step. Watch at your own pace, on any device.