SMSF Pension & Retirement Phase Planner
Estimate your SMSF pension minimum, transfer balance cap position, 10-year drawdown path, and the tax difference between pension phase and accumulation - all using current FY2026-27 figures. For the rules behind the numbers, see the minimum drawdown and transfer balance cap sections of the SMSF Pension Guide.
Your Details
Enter member-level figures. Total super balance means all super interests across every fund, not just the SMSF.
Enter the member's age today. The calculator will work out the age used for the FY2026-27 pension minimum.
This lets the calculator determine age at 1 July 2026 without asking for an exact date of birth.
A non-retirement phase TRIS has a 10% maximum and earnings are taxed like accumulation. If a TRIS has converted to retirement phase, use the account-based pension option.
Include all super you hold across every fund, not just your SMSF.
For an existing pension, use the 1 July 2026 pension account balance. For a new pension, use the balance on commencement day. If you have not started a pension and are not planning one, enter $0.
The balance in your SMSF accumulation account.
Caps and Assumptions
These figures drive the transfer balance cap section, 10-year projection, and pension versus accumulation tax comparison.
Your personal transfer balance cap may be lower than $2,100,000 if you started a retirement phase pension before 1 July 2026. You can check yours via ATO online services through myGov. If unsure, leave this as the default.
The total value of pensions you have started minus any commutations. This is not the same as your pension account balance - investment growth does not affect this figure.
An estimate used for projections only. Typical balanced portfolios have returned 5-7% over the long term, but past returns do not predict future performance.
Enter age, total super balance, SMSF balances, and pension status to calculate.
Pension Position
Your minimum drawdown this year
Your transfer balance cap position
Year-by-year projection
Tax comparison - pension phase vs accumulation
Summary
General information only. This calculator provides general information only and does not take into account your personal objectives, financial situation or needs. It is not financial advice, tax advice or legal advice. You should consider seeking advice from a licensed financial adviser, registered tax agent or SMSF specialist before acting on the results.
Accuracy note. The calculator uses current publicly available superannuation thresholds and rates. Some thresholds may be indexed in future years, and individual outcomes may differ depending on personal transfer balance cap history, total super balance, contribution history, pension type, tax components and fund circumstances.
Tool by Super Informed.
Details entered for this calculation
Calculated · FY2026-27
How this tool was built
Every figure in this planner uses the rates and thresholds listed below. Source links point to the relevant ATO pages for pension payment standards, transfer balance caps, contribution caps, preservation age, and Division 296.
| Figure | Value used | How it is applied | ATO source |
|---|---|---|---|
| Minimum pension drawdown rates | Under 65: 4%; 65-74: 5%; 75-79: 6%; 80-84: 7%; 85-89: 9%; 90-94: 11%; 95+: 14% | Applied by age at 1 July, or commencement day if the pension starts mid-year. | ato.gov.au → |
| TRIS maximum | 10% of account balance | Shown when transition to retirement income stream is selected. | ato.gov.au → |
| General transfer balance cap | FY2026-27: $2.1M. FY2025-26: $2.0M. 2023-24 to 2024-25: $1.9M. | Displayed for reference. The user enters their own personal transfer balance cap. | ato.gov.au → |
| Contribution caps | FY2026-27 CC: $32.5k; NCC: $130k. FY2025-26 CC: $30k; NCC: $120k. | Shown for reference only. This tool does not calculate contribution eligibility. | ato.gov.au → |
| Preservation age | 55 to 60 depending on date of birth | Included as a source reference. This tool does not ask for exact date of birth. | ato.gov.au → |
| Tax rates | Pension phase earnings: 0%; accumulation earnings: 15%; TRIS non-retirement phase earnings: 15%; long-term capital gains in accumulation: effective 10% | Used for the simplified tax comparison section. | ato.gov.au → |
| Division 296 | Applies from FY2026-27. May result in an additional assessment on earnings attributable to balances above $3M. | Flag only when total super balance is above $2.5M. No tax amount is calculated. | ato.gov.au → |
All figures reflect ATO guidance and legislated thresholds for FY2026-27. If you identify an update that is not yet reflected here, contact us.
Stay up to date every week
SMSF guides, tools, and weekly updates made for Australian trustees. No advice.
Subscribe free