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[270]Glossary * [271]Media centre * [272]Like MoneySmart on Facebook * [273]Follow MoneySmart on X (formerly Twitter) * [274]Subscribe to MoneySmart on Youtube * [275]Follow MoneySmart on Instagram Australian Government crest [276]Retirement income Prepare to retire Your retirement planning checklist Page reading time: 5 minutes (BUTTON) On this page Preparing to retire is emotional and practical. Making a retirement plan can help you manage your finances, and cope better as your life and priorities change. Make a retirement plan Your retirement plan can be simple or detailed. Include: * Timing -- when you want to retire. This could change, but it's good to have a starting point. * Lifestyle and priorities -- prioritise what matters most. For example, social activities and staying active, continuing or changing work, where you will live. * Income and living costs -- estimate your daily living costs. Do a budget to prioritise your spending. Work out how much income you'll have, and from where. * Plan for the future -- if you can, boost your retirement income by contributing more to your super. Decide how to pay off your mortgage or other debts, and build a savings buffer. Check you have an up-to-date will and powers of attorney. Think about when you want to retire There's no set age you need to be to retire. It will depend on your health, work options, finances and personal situation. Are you retiring in ten years, two to five years, or next year? If you have a partner, when will they retire? Knowing how much time you have helps you make a retirement plan. Talk about your retirement priorities with a partner, colleague or friend. If you need professional advice to plan for retirement, see [277]financial advice. Consider your lifestyle and priorities Set your priorities Think about what your lifestyle will look and feel like. What are the things that matter most? Consider: * your living costs * social life and recreation * staying active and healthy * volunteering or community participation * planning for changing health needs or aged care * supporting your family, children or grandchildren (if any) Keep working, reduce hours or retrain Continuing to earn an income, even part-time, can help your retirement savings last longer. If you want to keep working, options include: * [278]Job Switch -- explore options to retrain or seek part-time work * [279]Transition to retirement -- if you've reached your [280]preservation age, you can use some of, and keep contributing to, your super while working * [281]Work Bonus -- if you get the Age Pension, you can earn up to $300 per fortnight from work before your pension payment reduces Plan where you will live If you own your home: * If you still have a mortgage, you could use some of your super (when available) to pay it off. * [282]Consider downsizing to free up money. You could pay off your mortgage, support your lifestyle, or relocate to be closer to family or services. Before going ahead, check the tax impact and whether it will affect your government benefits. If you're renting: * You may be eligible for an extra payment if you rent and get payments from Centrelink, like the Age Pension. To find out more, see [283]rent assistance on the Services Australia website. * If you're struggling with rent or unsure about your tenancy rights, see [284]rent steps to take on the National Debt Helpline website. Work out your income and living costs How much money you'll need for living costs in retirement depends on your lifestyle priorities and what you can afford. For most people, your retirement income will be a combination of superannuation and the Age Pension. If you don't have much super, you may be more reliant on the pension. If you do have super, think about how and when to withdraw it. You may also have some savings or investments. Work out your living costs Consider: * Housing -- rent or mortgage, rates, home and contents insurance, maintenance * Utilities -- electricity, gas, water, phone, internet, streaming services * Food -- fresh food, groceries, takeaway, dining out * Clothing and household goods -- clothing, personal care, furniture, household appliances * Health and leisure -- health insurance, health care, social activities, fitness, holidays, gifts * Transport -- car registration, insurance and running costs, public transport As a rule of thumb, try allowing for two thirds of your current living costs. This is a useful guide, that assumes reduced costs for work and that you've paid off your mortgage. Your spending may be higher when you first retire. For example, if you plan to travel or update your home. You may also need to allow more for health care as you get older. [285]Use the budget planner to work out your living costs Prioritise the things that matter most in retirement. Get your super income You can get your super when you retire and reach your 'preservation age'. That is between 55 and 60, depending on when you were born. Or when you reach 65, even if you're still working. When you are eligible to withdraw your super, your main options are: * an account-based pension * an annuity * a lump sum * or a combination of these You could also consider a transition to retirement strategy. You can use some of, and keep contributing to, your super while working. Contact your super fund to discuss your options. Claim government benefits From age 67 (or earlier, if born before 1957), you may be eligible for government benefits such as: * Age Pension * Pensioner concessions * Health care benefits * Tax offsets For questions about government benefits, call Centrelink's older Australians line on 132 300. Ask to speak to a [286]Financial Information Service (FIS) officer (for free). The helpline is open Monday to Friday, 8:00am to 5:00pm. [287]Use the retirement planner to estimate your income See how long your super and Age Pension will last. Add in savings and investments If you have money in savings, this could top up your retirement income. If you have investments like [288]shares or [289]investment property, think about whether to keep or sell. Check the costs, tax impact and whether it will affect your government benefits. Plan for the future Grow your income If you can, consider contributing more to your super. Use the [290]super contributions optimiser to see how to get the biggest boost. Save for an emergency [291]Save an emergency fund to give yourself a safety net for unexpected bills like repairs or medical costs. Pay off debt If you have a mortgage or other debts, consider how best to pay them off. For tips on how to do this, see get [292]debt under control. Make an estate plan Decide what you want done with your assets when you die. Check you have an [293]up-to-date will and powers of attorney, and a nominated beneficiary for your super. Get help if you need it * To get advice about your super income options, talk to your super fund. * For questions about government benefits or retirement, call Centrelink's older Australians line on 132 300. Ask to speak to a [294]Financial Information Service (FIS) officer (for free). The helpline is open Monday to Friday, 8:00am to 5:00pm. * To get professional advice on planning for retirement, see [295]financial advice. * For help with tax matters, see [296]how tax applies to your super withdrawals on the Australian Taxation Office (ATO) website. Or see a tax professional. Do you find this page useful? (*) Yes ( ) No Why? [ ] It had the information I was looking for [ ] The page makes sense [ ] The information is balanced and unbiased [ ] The information gave me a sense of what to do next (BUTTON) Submit (BUTTON) Any other feedback Why not? [ ] It didn't have the information I was looking for [ ] The page was confusing [ ] The information overwhelmed me [ ] There wasn't enough information for me to take action (BUTTON) Submit (BUTTON) Any other feedback Your feedback Your feedback relates to: [Please select...________________________] You would like to: [Please select...____] Your issue is: [Please select...______________________________________] * Calculator disclaimers and assumptions can be found under each calculator. Refer to these for more detailed information about how a specific calculator works. * Calculator frequently asked questions can be found under most calculators. Refer to these for more information. The links below provide more information on complaints and reporting scams: * [297]Complain about a financial product or service * [298]Report a scam * [299]Report misconduct to ASIC We don't lend money, arrange loans or provide personal financial advice. If you are experiencing difficulties with money, the following pages can help: * [300]Urgent help with money * [301]No or low interest loans * [302]Problems paying your bills or fines * [303]Problems paying your mortgage * [304]Find a financial counsellor Summary of your feedback (helps us respond faster): ____________________ Your comments: ____________________________________________________________ ____________________________________________________________ ____________________________________________________________ ____________________________________________________________ The page/calculator/app you are referring to (eg. cut/paste URL): ____________________ Your email address: (if you require a reply) ____________________ (BUTTON) Cancel (BUTTON) Send feedback Up next in Retirement income * [305] Age Pension and government benefits Benefits and entitlements for seniors and retirees 4 min read * [306] Super and pension age calculator When you can access your super and the Age Pension 1 min read * [307] Transition to retirement Access your super while you keep working 2 min read * [308] Retirement planner Find out your income when you retire 5 min read * [309] Account-based pensions Turn your super into a regular income stream 2 min read * [310] Account-based pension calculator Find out the income you'll get from super 5 min read * [311] Annuities Turn your super or other savings into a guaranteed income when you retire 3 min read * [312] Super lump sum Taking your super as a cash payment 2 min read * [313] Retirement income and tax How your super or non-super income stream is taxed 2 min read * [314] Downsizing in retirement Decide whether downsizing your home is right for you 3 min read * [315] Reverse mortgage and home equity release How to decide if home equity release is right for you 9 min read * [316] Reverse mortgage calculator See if a reverse mortgage could be right for you 20 min read * [317]MoneySmart logo * [318]About us * [319]Contact us * [320]Glossary * [321]Media centre * [322]Subscribe * [323]Indigenous * [324]Like MoneySmart on Facebook * [325]Follow MoneySmart on X (formerly Twitter) * [326]Subscribe to MoneySmart on Youtube * [327]Follow MoneySmart on Instagram [328]ASIC logo MoneySmart logo ____________________ (BUTTON) search References 1. https://www.googletagmanager.com/ns.html?id=GTM-K663FCG 2. https://moneysmart.gov.au/retirement-income/prepare-to-retire#mainContent 3. https://moneysmart.gov.au/ 4. https://moneysmart.gov.au/retirement-income/prepare-to-retire#banking-and-budgeting 5. https://moneysmart.gov.au/banking 6. https://moneysmart.gov.au/banking/savings-accounts 7. https://moneysmart.gov.au/banking/transaction-accounts-and-debit-cards 8. https://moneysmart.gov.au/banking/joint-accounts 9. https://moneysmart.gov.au/banking/direct-debits 10. https://moneysmart.gov.au/banking/unauthorised-and-mistaken-transactions 11. https://moneysmart.gov.au/banking/sending-money-overseas 12. https://moneysmart.gov.au/budgeting 13. https://moneysmart.gov.au/budgeting/how-to-do-a-budget 14. https://moneysmart.gov.au/budgeting/track-your-spending 15. https://moneysmart.gov.au/budgeting/manage-the-cost-of-living 16. https://moneysmart.gov.au/budgeting/managing-on-a-low-income 17. https://moneysmart.gov.au/budgeting/managing-on-a-casual-income 18. https://moneysmart.gov.au/budgeting/budget-planner 19. https://moneysmart.gov.au/budgeting/compound-interest-calculator 20. https://moneysmart.gov.au/budgeting/simple-money-manager 21. https://moneysmart.gov.au/budgeting/avoiding-sales-pressure 22. https://moneysmart.gov.au/saving 23. https://moneysmart.gov.au/saving/savings-goals-calculator 24. https://moneysmart.gov.au/saving/compound-interest 25. https://moneysmart.gov.au/saving/save-for-an-emergency-fund 26. https://moneysmart.gov.au/saving/simple-ways-to-save-money 27. https://moneysmart.gov.au/saving/term-deposits 28. https://moneysmart.gov.au/saving/save-for-a-house-deposit 29. 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https://moneysmart.gov.au/living-in-retirement/elder-care-and-seniors-support 186. https://moneysmart.gov.au/retirement-income/prepare-to-retire#insurance 187. https://moneysmart.gov.au/how-life-insurance-works 188. https://moneysmart.gov.au/how-life-insurance-works/life-insurance-calculator 189. https://moneysmart.gov.au/how-life-insurance-works/income-protection-insurance 190. https://moneysmart.gov.au/how-life-insurance-works/life-cover 191. https://moneysmart.gov.au/how-life-insurance-works/total-and-permanent-disability-tpd-insurance 192. https://moneysmart.gov.au/how-life-insurance-works/insurance-through-super 193. https://moneysmart.gov.au/how-life-insurance-works/life-insurance-claims-comparison-tool 194. https://moneysmart.gov.au/how-life-insurance-works/trauma-insurance 195. https://moneysmart.gov.au/how-life-insurance-works/making-a-life-insurance-claim 196. https://moneysmart.gov.au/car-insurance 197. https://moneysmart.gov.au/car-insurance/choosing-car-insurance 198. https://moneysmart.gov.au/car-insurance/claiming-on-your-car-insurance 199. https://moneysmart.gov.au/car-insurance/no-claim-bonus-on-car-insurance 200. https://moneysmart.gov.au/car-insurance/add-on-car-insurance 201. https://moneysmart.gov.au/home-insurance 202. https://moneysmart.gov.au/home-insurance/choosing-home-insurance 203. https://moneysmart.gov.au/home-insurance/contents-insurance 204. https://moneysmart.gov.au/home-insurance/storm-flood-and-fire-insurance 205. https://moneysmart.gov.au/home-insurance/how-to-make-a-home-insurance-claim 206. https://moneysmart.gov.au/add-on-insurance 207. https://moneysmart.gov.au/add-on-insurance/mobile-phone-tablet-and-laptop-insurance 208. https://moneysmart.gov.au/add-on-insurance/consumer-credit-insurance 209. https://moneysmart.gov.au/add-on-insurance/pet-insurance 210. https://moneysmart.gov.au/other-types-of-insurance 211. https://moneysmart.gov.au/other-types-of-insurance/health-insurance 212. https://moneysmart.gov.au/other-types-of-insurance/funeral-insurance 213. https://moneysmart.gov.au/other-types-of-insurance/travel-insurance 214. https://moneysmart.gov.au/dealing-with-natural-disasters 215. https://moneysmart.gov.au/dealing-with-natural-disasters/preparing-for-a-natural-disaster 216. https://moneysmart.gov.au/dealing-with-natural-disasters/what-to-do-after-a-natural-disaster 217. https://moneysmart.gov.au/dealing-with-natural-disasters/recovering-from-a-natural-disaster 218. https://moneysmart.gov.au/retirement-income/prepare-to-retire#scams 219. https://moneysmart.gov.au/online-safety 220. https://moneysmart.gov.au/online-safety/protect-yourself-from-scams 221. https://moneysmart.gov.au/online-safety/online-shopping 222. https://moneysmart.gov.au/online-safety/identity-theft 223. https://moneysmart.gov.au/online-safety/using-comparison-websites 224. https://moneysmart.gov.au/financial-scams 225. https://moneysmart.gov.au/financial-scams/banking-and-credit-scams 226. https://moneysmart.gov.au/financial-scams/crypto-scams 227. https://moneysmart.gov.au/financial-scams/imposter-bond-investment-scams 228. https://moneysmart.gov.au/financial-scams/investment-scams 229. https://moneysmart.gov.au/financial-scams/ponzi-schemes 230. https://moneysmart.gov.au/financial-scams/superannuation-scams 231. https://moneysmart.gov.au/check-and-report-scams 232. https://moneysmart.gov.au/check-and-report-scams/report-an-investment-scam 233. https://moneysmart.gov.au/check-and-report-scams/check-before-you-invest 234. https://moneysmart.gov.au/check-and-report-scams/investor-alert-list 235. https://moneysmart.gov.au/check-and-report-scams/what-to-do-if-you-ve-been-scammed 236. https://moneysmart.gov.au/retirement-income/prepare-to-retire#community 237. https://moneysmart.gov.au/find-unclaimed-money 238. https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-bank-accounts-and-bank-dividends 239. https://moneysmart.gov.au/find-unclaimed-money/money-held-by-state-governments 240. https://moneysmart.gov.au/find-unclaimed-money/interest-paid-on-unclaimed-money 241. https://moneysmart.gov.au/find-unclaimed-money/asic-gazette 242. https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-life-insurance-policies 243. https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-shares-and-investments 244. https://moneysmart.gov.au/teaching 245. https://moneysmart.gov.au/teaching/lesson-plans 246. https://moneysmart.gov.au/teaching/teaching-consumer-and-financial-literacy 247. https://moneysmart.gov.au/student-life-and-money 248. https://moneysmart.gov.au/student-life-and-money/studying 249. https://moneysmart.gov.au/student-life-and-money/moving-out-of-home 250. https://moneysmart.gov.au/student-life-and-money/rental-bonds-and-leases 251. https://moneysmart.gov.au/student-life-and-money/getting-a-job 252. https://moneysmart.gov.au/student-life-and-money/credit-and-debt 253. https://moneysmart.gov.au/student-life-and-money/choosing-a-mobile-phone-plan 254. https://moneysmart.gov.au/student-life-and-money/buying-and-running-a-car 255. https://moneysmart.gov.au/publications-and-resources 256. https://moneysmart.gov.au/publications-and-resources/publications 257. https://moneysmart.gov.au/publications-and-resources/money-tips-in-other-languages 258. https://moneysmart.gov.au/indigenous 259. https://moneysmart.gov.au/indigenous/book-up 260. https://moneysmart.gov.au/indigenous/dealing-with-family-pressure-about-money 261. https://moneysmart.gov.au/indigenous/door-to-door-sales 262. https://moneysmart.gov.au/indigenous/managing-large-sums-of-money 263. https://moneysmart.gov.au/indigenous/paying-for-funerals 264. https://moneysmart.gov.au/indigenous/buying-a-hamper 265. https://moneysmart.gov.au/indigenous/superannuation 266. https://moneysmart.gov.au/indigenous/bank-accounts 267. https://moneysmart.gov.au/indigenous/cash-loans 268. https://moneysmart.gov.au/about-us 269. https://moneysmart.gov.au/contact-us 270. https://moneysmart.gov.au/glossary 271. https://moneysmart.gov.au/media-centre 272. https://www.facebook.com/MoneySmartAu 273. https://twitter.com/moneysmartteam 274. https://www.youtube.com/user/MoneySmartAu 275. https://www.instagram.com/moneysmartau/ 276. https://moneysmart.gov.au/retirement-income 277. https://moneysmart.gov.au/financial-advice 278. https://www.workforceaustralia.gov.au/individuals/coaching/careers/job-switch 279. https://moneysmart.gov.au/retirement-income/transition-to-retirement 280. https://moneysmart.gov.au/glossary/preservation-age 281. https://www.servicesaustralia.gov.au/work-bonus 282. https://moneysmart.gov.au/retirement-income/downsizing-in-retirement 283. https://www.servicesaustralia.gov.au/rent-assistance 284. https://ndh.org.au/debt-problems/rent/ 285. https://moneysmart.gov.au/budgeting/budget-planner 286. https://www.servicesaustralia.gov.au/financial-information-service 287. https://moneysmart.gov.au/retirement-income/retirement-planner 288. https://moneysmart.gov.au/shares/how-to-buy-and-sell-shares 289. https://moneysmart.gov.au/property-investment 290. https://moneysmart.gov.au/grow-your-super/super-contributions-optimiser 291. https://moneysmart.gov.au/saving/save-for-an-emergency-fund 292. https://moneysmart.gov.au/managing-debt/get-debt-under-control 293. https://moneysmart.gov.au/living-in-retirement/wills-and-powers-of-attorney 294. https://www.servicesaustralia.gov.au/financial-information-service 295. https://moneysmart.gov.au/financial-advice 296. https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/tax-on-super-benefits/#Taxonsuperdeathbenefits 297. https://moneysmart.gov.au/how-to-complain 298. https://moneysmart.gov.au/check-and-report-scams/what-to-do-if-you-ve-been-scammed 299. https://asic.gov.au/about-asic/contact-us/how-to-complain/ 300. https://moneysmart.gov.au/managing-debt/urgent-help-with-money 301. https://moneysmart.gov.au/loans/no-interest-loans 302. https://moneysmart.gov.au/managing-debt/problems-paying-your-bills-and-fines 303. https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage 304. https://moneysmart.gov.au/managing-debt/financial-counselling 305. https://moneysmart.gov.au/retirement-income/age-pension-and-government-benefits 306. https://moneysmart.gov.au/retirement-income/super-and-pension-age-calculator 307. https://moneysmart.gov.au/retirement-income/transition-to-retirement 308. https://moneysmart.gov.au/retirement-income/retirement-planner 309. https://moneysmart.gov.au/retirement-income/account-based-pensions 310. https://moneysmart.gov.au/retirement-income/account-based-pension-calculator 311. https://moneysmart.gov.au/retirement-income/annuities 312. https://moneysmart.gov.au/retirement-income/super-lump-sum 313. https://moneysmart.gov.au/retirement-income/retirement-income-and-tax 314. https://moneysmart.gov.au/retirement-income/downsizing-in-retirement 315. https://moneysmart.gov.au/retirement-income/reverse-mortgage-and-home-equity-release 316. https://moneysmart.gov.au/retirement-income/reverse-mortgage-calculator 317. https://moneysmart.gov.au/ 318. https://moneysmart.gov.au/about-us 319. https://moneysmart.gov.au/contact-us 320. https://moneysmart.gov.au/glossary 321. https://moneysmart.gov.au/media-centre 322. https://moneysmart.gov.au/subscribe-to-our-newsletter 323. https://moneysmart.gov.au/indigenous 324. https://www.facebook.com/MoneySmartAu 325. https://twitter.com/moneysmartteam 326. https://www.youtube.com/user/MoneySmartAu 327. https://www.instagram.com/moneysmartau/ 328. https://asic.gov.au/