PensionLens
Where do you sit on the Age Pension curve?
The means tests create an income curve, so more super doesn't always mean more income. A couple with $470,000 in super can have a higher income than a couple with $900,000.
Free, no sign-up, works offline. 2026-27 rates.
What it shows
Your Age Pension today
Under both the assets and income tests, and which one sets your rate.
Your income this year
Gross and after tax for each partner, with LITO, SAPTO and the Medicare levy.
The Sweet Spot curve
How total income changes with your super balance, with the peak, the dip and the recovery marked.
Work headroom
How much more you/partner can earn, including the Work Bonus.
Lifetime annuity what-if
How moving part of your super into an annuity changes your pension and income.
The Sweet Spot is terrain, not a target
Use it to see what your next dollar does, not as a balance to aim for.
PensionLens looks at one year. To follow your pension through every year of retirement, use The Long Weekend Plan. PensionLens models account-based pensions only; the planner also handles defined benefit pensions.