Great Advice · Income bridge

Can you stop work before 67?

The Age Pension cannot start before 67. Stop work earlier and there is a stretch of years your own money has to carry on its own. This tool shows roughly how that bridge looks on your numbers.

Figures as at 12 Jun 2026 · Estimate only

Nothing is stored and no personal details are needed. Round figures are fine.

At what age would you like to stop work?

How much would you spend in a year?

The yearly cost of the life you want, for your household.

$a year

Roughly how much is in super?

Combined balances if you are a couple.

$

And outside super?

Savings, term deposits or investments you could draw on. Not the family home.

$

Any part-time work during those years?

Your bridge

 

 

These are example numbers. Change the controls on the left for your own situation.

 

 

What these rough numbers leave out
  • Investment earnings on your super and savings, which work in your favour over the bridge years.
  • Inflation, which works against you. The two rarely cancel out neatly, and that gap is exactly what a proper projection models.
  • What happens after 67: any Age Pension entitlement, and how long the remaining super needs to last alongside it.

We will model the bridge years properly, with earnings, inflation and the pension included.

Work it out with George Free first meeting. No obligation.
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What to check next

  • See what support could start at 67 - The Age Pension self-check gives you a rough eligibility band, so you know whether the pension is likely to carry part of the load once the bridge ends.
  • Project your super properly - The super simulator models growth and contributions to retirement age, which this rough bridge check deliberately leaves out.
  • Work the pre-retirement checklist - The bridge years are one item on a longer list. The checklist covers the rest of what to line up in your 50s and 60s.

More tools: Age Pension self-check, super simulator, contribution cap checker, or the fee estimator.

How it works: it spreads your super and savings across the years from when you stop work to the Age Pension age of 67, before any investment earnings, inflation, tax or Age Pension. General information, an estimate, not personal advice.

The two ages this tool uses: Age Pension age is 67 (Services Australia). Super can generally be accessed from age 60 once you retire, and from 65 whether you are working or not (ATO, preservation age 60 for anyone born from 1 July 1964; earlier birth years have already reached theirs). Checked 12 June 2026. Services Australia and the ATO make the final assessments.

General information only. This tool does not consider your objectives, financial situation or needs, and a rough bridge picture is not personal advice. It deliberately ignores investment earnings, inflation, tax and Age Pension entitlements. Consider speaking with a licensed financial adviser before acting. Great Advice is a trading name of Aetos Wealth Advisors Pty Ltd, Corporate Authorised Representative of Akumin Financial Planning Pty Ltd (AFSL 232706).