PensionLens

PensionLens — Where do you sit on the Age Pension curve?

Most retirees know the Age Pension has means tests. Far fewer know those tests create a curve, one where a couple with $470,000 in super can have a higher annual income than a couple with $900,000. PensionLens shows you that curve for your situation, and puts a pin on exactly where you stand.

Enter a handful of figures (ages, super, savings, home ownership, anything you earn) and PensionLens instantly shows:

• Your Age Pension today, under both the assets test and the income test, and which one is actually setting your rate. Eligibility comes straight from the ages you enter, including couples where only one of you has reached Age Pension age

• Your income this year, gross and after tax, calculated separately for you and your partner using current tax rates, LITO, SAPTO, and the Medicare levy

• Your Sweet Spot curve: how your total income would change as your super balance changes, with the peak, the trough, and the recovery point marked, in the same style as the charts in The Long Weekend, plus the full table of figures

• Your part-time work headroom, shown separately for each of you: the most extra employment income each person could earn before your Centrelink income reduces, including the Work Bonus and each partner's own income bank

• A lifetime annuity what-if: flick a switch to see how moving part of your super into a lifetime annuity changes your pension and total income under the concessional means-testing rules, including when it doesn't help

Everything updates live as you type, using the current 2026-27 rates and thresholds, and you can save your scenario to a file and load it back any time.

Completely private. PensionLens runs entirely in your browser and makes zero network requests: nothing you enter is sent, stored, or seen by anyone, and it works even with your internet disconnected.

One thing PensionLens will tell you that no product brochure will: the Sweet Spot is terrain, not a target. It exists to help you understand what your next dollar (saved, spent, or earned) actually does to your income, not to convince you to aim for a point on a chart.

Free to use, no sign-up, no ads. Part of The Long Weekend Plan toolkit alongside PlanLens and SpendLens.

Assumes any investment property is held outside super. If held inside an SMSF, its value forms part of your super balance and is treated differently. Super is modelled as account-based pensions only; defined benefit and untaxed-source pensions (e.g. PSS) are not modelled. General information only — not a substitute for a formal Centrelink assessment or tax advice. Always confirm your actual entitlement with Services Australia or a licensed financial adviser.

Disclaimer

Super laws, tax rules, and Centrelink assessments are complex, frequently changing, and include many exceptions. The information provided is general in nature, current as of 2026, and is not financial, legal, or tax advice. Individual circumstances, fund types, and grandfathered provisions may affect these rules, and rates and thresholds can change without notice. You should consult a licensed financial adviser, tax agent, or qualified professional before making decisions about your super, retirement, or estate planning.