Your Super Mate

Super drawdown planner

Once you retire and roll into an account-based pension, how long will your balance last at the income you want? Uses the ATO minimum drawdown rates and lets you model any target income.

Built on 2025-26 ATO rates · Last reviewed April 2026

Target = draw what you want. Minimum = draw only the ATO-required percentage each year.

Balance lasts
16 years
Depleted at age 83
Total drawn
$730,438
End balance
$0

At the legal minimum only, your balance would last 50 years and still hold value at age 95+. The minimum is a floor, not a target — most retirees draw more than the minimum to fund their actual lifestyle.

Year-by-year breakdown (first 20 years)

AgeOpenDrawnATO minEarningsClose
68$500,000$40,000$25,000$25,300$485,300
69$485,300$41,000$24,265$24,437$468,737
70$468,737$42,025$23,437$23,469$450,181
71$450,181$43,076$22,509$22,391$429,496
72$429,496$44,153$21,475$21,194$406,537
73$406,537$45,256$20,327$19,870$381,151
74$381,151$46,388$19,058$18,412$353,176
75$353,176$47,547$17,659$16,810$322,438
76$322,438$48,736$19,346$15,054$288,755
77$288,755$49,955$17,325$13,134$251,935
78$251,935$51,203$15,116$11,040$211,771
79$211,771$52,483$12,706$8,761$168,049
80$168,049$53,796$10,083$6,284$120,537
81$120,537$55,140$8,438$3,597$68,994
82$68,994$56,519$4,830$686$13,161
83$13,161$13,161$921$0$0

ATO minimum drawdown rates

Under 65 years — 4%
65–74 — 5%
75–79 — 6%
80–84 — 7%
85–89 — 9%
90–94 — 11%
95+ — 14%

These are percentages of your 1 July balance, paid over the financial year. Pension-phase earnings are tax-free, and withdrawals for members over 60 are tax-free. The drawdown percentage steps up as you age — which is why minimums aren't a stable retirement strategy on their own.

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Where these numbers come from

Keep reading

Account-based pension guide →

General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.