Pension Bonus estimator

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The tables in this page may be used as a guide to estimate the amount of Pension Bonus that may be payable to registered members of the Pension Bonus Scheme.

On this page

  1. Purpose
  2. Important Note
  3. Estimating Bonus
  4. Calculating the estimated rate of pension
  5. Using the Pension estimator
  6. Understanding the table
  7. Notes
  8. Pension Bonus Table - Service Pension - Single Rate
  9. Pension Bonus Table - Service Pension - Couple Rate
  10. Pension Bonus Table - Income Support Supplement - Single Rate
  11. Pension Bonus Table - Income Support Supplement - Couple Rate
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Purpose

These figures are only an estimate and the actual amount of Pension Bonus received at the time of claim will depend on:

  • the person’s income and assets
  • the rate of pension payable
  • the pension or pensions deferred
  • the person meeting all the requirements of the scheme.

If the level of your income or assets is too high to receive a pension, then you will not be paid a bonus.

As pension rates and thresholds are subject to regular adjustment in line with CPI and/or average wages, the information in this page is current from 20 March 2025 to 30 June 2025.

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Important Note

From 1 July 2014, the Pension Bonus Scheme was closed to new registrations. Current members can remain in the Scheme while they continue to meet the work requirements to accrue a Pension Bonus if they wish.

If you are currently registered in the Pension Bonus Scheme, you may wish to consider whether you will be better off claiming the pension and any Bonus you are entitled to. You may also then benefit from the work bonus arrangements. The work bonus is a concession on the income test treatment of employment income for pensioners over qualifying age. This may influence your choices about work and retirement. For more information on this change to the pension income test, refer to Work Bonus.

We encourage you to obtain independent financial advice before claiming a pension to find out how these changes may affect your finances and your retirement and work plans.

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Estimating Bonus

To estimate the amount of Pension Bonus you may receive, there are two steps:

1. Calculate your estimated rate of pension or Income Support Supplement (ISS) using the appropriate ready reckoner:

For Bonus purposes you should include only the basic amount of pension supplement. The energy supplement and the remainder of the pension supplement are excluded from the bonus calculation. This means that:

  • Single Service Pensioners should subtract $68.70 from the figure in the ready reckoner
  • Service Pensioner Couples should subtract $49.70 from the figure in the ready reckoner
  • Single ISS recipients should subtract $54.60 from the figure in the ready reckoner
  • Partnered ISS recipients should subtract $39.10 from the figure in the ready reckoner.

2. Use the Bonus estimator to estimate the amount of Pension Bonus you may receive.

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Calculating the estimated rate of pension

  • Select the type of pension you are deferring:
    • Service Pension
    • Income Support Supplement
  • Choose pension rate based on the appropriate ready reckoner.
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Using the Pension estimator

  • Select the type of pension: Service Pension or Income Support Supplement (couple or single)
  • Estimate the amount of months you plan to defer (minimum 12 months to a maximum 60 months)
  • Select your estimated payment rate.

Example 1: Your estimated fortnightly single rate Service Pension after deducting $68.70 is $286.00 and your estimated deferral period is 20 months. Using the “Single Rate” table under the Service Pension, you would then select $286.00 in the “Pension Rate” column and 20 months in the “Number of Months Deferred” column to estimate your Pension Bonus. Your Bonus would then be $1,941.62.

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Understanding the table

You need to understand the following in relation to the tables:

  • all amounts are given in dollars ($)
  • all pension amounts are fortnightly payments and are after deduction of $68.70 (single) or $49.70 (partnered)
  • all ISS amounts are fortnightly payments and are after deduction of $54.60 (single) or $39.10 (partnered)
  • the estimated amount of Bonus is a one off, tax-free lump sum payment you may receive at time of claim
  • all amounts are only estimates and may vary
  • where only one pension has been deferred, the Bonus payable is based on the amount of pension payable at the time of claiming and depends on your income and assets at the time of claiming
  • if more than one pension has been deferred, this calculator will not give you an accurate estimate of Bonus.
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Notes

The figures in the tables are only applicable if there are no changes to relationship status or type of pension deferred during the deferment period.

Figures are based on current pension rates and are subject to change.

Blinded pensioners and blinded ISS recipients should calculate their Bonus amount using the highest fortnightly rate from the relevant table.

If you change relationship status or the type of pension deferred, please contact us or your financial planner for more information on the amount of Pension Bonus you may receive.

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Pension Bonus Table - Service Pension - Single Rate

Pension Rate 12 16 20 24 28 32 36 40 44 48 52 56 60 Months
31.80 78 138 216 311 423 553 699 864 1,045 1,244 1,244 1,693 1,943
63.50 155 276 431 621 845 1,104 1,397 1,724 2,086 2,483 2,483 3,380 3,880
95.30 233 414 647 932 1,268 1,656 2,096 2,588 3,131 3,727 3,727 5,072 5,823
127.10 311 552 863 1,243 1,691 2,209 2,796 3,451 4,176 4,970 4,970 6,765 7,766
158.90 388 690 1,079 1,553 2,114 2,762 3,495 4,315 5,221 6,214 6,214 8,457 9,709
190.60 466 828 1,294 1,863 2,536 3,313 4,192 5,176 6,263 7,453 7,453 10,145 11,646
222.40 544 966 1,510 2,174 2,959 3,865 4,892 6,039 7,308 8,697 8,697 11,837 13,589
254.20 621 1,104 1,726 2,485 3,382 4,418 5,591 6,903 8,353 9,940 9,940 13,530 15,532
286.00 699 1,243 1,942 2,796 3,806 4,971 6,291 7,766 9,397 11,184 11,184 15,222 17,475
317.70 776 1,380 2,157 3,106 4,227 5,521 6,988 8,627 10,439 12,423 12,423 16,910 19,411
349.50 854 1,519 2,373 3,417 4,651 6,074 7,688 9,491 11,484 13,667 13,667 18,602 21,354
381.30 932 1,657 2,589 3,728 5,074 6,627 8,387 10,354 12,529 14,910 14,910 20,295 23,297
413.10 1,010 1,795 2,804 4,038 5,497 7,179 9,087 11,218 13,574 16,154 16,154 21,987 25,240
444.80 1,087 1,933 3,020 4,348 5,919 7,730 9,784 12,079 14,615 17,393 17,393 23,674 27,177
476.60 1,165 2,071 3,236 4,659 6,342 8,283 10,483 12,942 15,660 18,637 18,637 25,367 29,120
508.40 1,243 2,209 3,451 4,970 6,765 8,836 11,183 13,806 16,705 19,880 19,880 27,060 31,063
540.20 1,320 2,347 3,667 5,281 7,188 9,388 11,882 14,669 17,750 21,124 21,124 28,752 33,006
571.90 1,398 2,485 3,883 5,591 7,610 9,939 12,580 15,530 18,792 22,364 22,364 30,439 34,943
603.70 1,475 2,623 4,098 5,902 8,033 10,492 13,279 16,394 19,837 23,607 23,607 32,132 36,886
635.50 1,553 2,761 4,314 6,213 8,456 11,045 13,978 17,257 20,881 24,851 24,851 33,824 38,829
667.20 1,631 2,899 4,530 6,523 8,878 11,596 14,676 18,118 21,923 26,090 26,090 35,512 40,766
699.00 1,708 3,037 4,745 6,833 9,301 12,148 15,375 18,982 22,968 27,334 27,334 37,204 42,709
730.80 1,786 3,175 4,961 7,144 9,724 12,701 16,075 19,845 24,013 28,577 28,577 38,897 44,652
762.60 1,864 3,313 5,177 7,455 10,147 13,254 16,774 20,709 25,058 29,821 29,821 40,589 46,595
794.30 1,941 3,451 5,392 7,765 10,569 13,805 17,471 21,570 26,099 31,060 31,060 42,277 48,532
826.10 2,019 3,589 5,608 8,076 10,992 14,357 18,171 22,433 27,144 32,304 32,304 43,969 50,475
857.90 2,097 3,727 5,824 8,387 11,415 14,910 18,870 23,297 28,189 33,547 33,547 45,662 52,418
889.70 2,174 3,866 6,040 8,698 11,839 15,463 19,570 24,160 29,234 34,791 34,791 47,354 54,361
921.40 2,252 4,003 6,255 9,008 12,260 16,014 20,267 25,021 30,276 36,030 36,030 49,041 56,298
953.20 2,330 4,142 6,471 9,318 12,683 16,566 20,967 25,885 31,320 37,274 37,274 50,734 58,241
985.00 2,407 4,280 6,687 9,629 13,107 17,119 21,666 26,748 32,365 38,517 38,517 52,427 60,184
1016.80 2,485 4,418 6,903 9,940 13,530 17,672 22,366 27,612 33,410 39,761 39,761 54,119 62,126
1048.50 2,563 4,556 7,118 10,250 13,952 18,222 23,063 28,473 34,452 41,001 41,001 55,806 64,063
1080.30 2,640 4,694 7,334 10,561 14,375 18,775 23,762 29,336 35,497 42,244 42,244 57,499 66,006
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Pension Bonus Table - Service Pension - Couple Rate

Pension Rate 12 16 20 24 28 32 36 40 44 48 52 56 60 Months
24.00 59 104 163 235 319 417 528 652 789 938 938 1,277 1,466
48.00 117 209 326 469 639 834 1,056 1,303 1,577 1,877 1,877 2,555 2,933
72.00 176 313 489 704 958 1,251 1,584 1,955 2,366 2,815 2,815 3,832 4,399
96.00 235 417 652 938 1,277 1,668 2,112 2,607 3,154 3,754 3,754 5,110 5,866
120.10 294 522 815 1,174 1,598 2,087 2,642 3,261 3,946 4,696 4,696 6,392 7,338
144.10 352 626 978 1,409 1,917 2,504 3,170 3,913 4,735 5,635 5,635 7,670 8,805
168.10 411 730 1,141 1,643 2,237 2,922 3,698 4,565 5,523 6,573 6,573 8,947 10,271
192.10 469 835 1,304 1,878 2,556 3,339 4,225 5,217 6,312 7,512 7,512 10,225 11,737
216.10 528 939 1,467 2,113 2,875 3,756 4,753 5,868 7,101 8,450 8,450 11,502 13,204
240.10 587 1,043 1,630 2,347 3,195 4,173 5,281 6,520 7,889 9,389 9,389 12,779 14,670
264.10 645 1,147 1,793 2,582 3,514 4,590 5,809 7,172 8,678 10,327 10,327 14,057 16,137
288.10 704 1,252 1,956 2,816 3,834 5,007 6,337 7,824 9,466 11,266 11,266 15,334 17,603
312.20 763 1,356 2,119 3,052 4,154 5,426 6,867 8,478 10,258 12,208 12,208 16,617 19,075
336.20 822 1,461 2,282 3,287 4,474 5,843 7,395 9,130 11,047 13,147 13,147 17,894 20,542
360.20 880 1,565 2,445 3,521 4,793 6,260 7,923 9,781 11,836 14,085 14,085 19,172 22,008
384.20 939 1,669 2,608 3,756 5,112 6,677 8,451 10,433 12,624 15,024 15,024 20,449 23,475
408.20 998 1,774 2,771 3,991 5,432 7,094 8,979 11,085 13,413 15,962 15,962 21,726 24,941
432.20 1,056 1,878 2,934 4,225 5,751 7,511 9,507 11,737 14,201 16,901 16,901 23,004 26,407
456.20 1,115 1,982 3,097 4,460 6,070 7,929 10,035 12,388 14,990 17,839 17,839 24,281 27,874
480.20 1,174 2,086 3,260 4,694 6,390 8,346 10,562 13,040 15,779 18,778 18,778 25,559 29,340
504.20 1,232 2,191 3,423 4,929 6,709 8,763 11,090 13,692 16,567 19,716 19,716 26,836 30,807
528.30 1,291 2,295 3,587 5,165 7,030 9,182 11,620 14,346 17,359 20,659 20,659 28,119 32,279
552.30 1,350 2,400 3,750 5,399 7,349 9,599 12,148 14,998 18,148 21,597 21,597 29,396 33,746
576.30 1,408 2,504 3,912 5,634 7,668 10,016 12,676 15,650 18,936 22,536 22,536 30,674 35,212
600.30 1,467 2,608 4,075 5,869 7,988 10,433 13,204 16,301 19,725 23,474 23,474 31,951 36,678
624.30 1,526 2,713 4,238 6,103 8,307 10,850 13,732 16,953 20,513 24,413 24,413 33,228 38,145
648.30 1,584 2,817 4,401 6,338 8,626 11,267 14,260 17,605 21,302 25,351 25,351 34,506 39,611
672.30 1,643 2,921 4,564 6,572 8,946 11,684 14,788 18,257 22,091 26,290 26,290 35,783 41,078
696.30 1,702 3,025 4,727 6,807 9,265 12,101 15,316 18,908 22,879 27,228 27,228 37,060 42,544
720.40 1,761 3,130 4,891 7,043 9,586 12,520 15,846 19,563 23,671 28,171 28,171 38,343 44,016
744.40 1,819 3,234 5,054 7,277 9,905 12,937 16,374 20,215 24,460 29,109 29,109 39,621 45,483
768.40 1,878 3,339 5,217 7,512 10,225 13,354 16,902 20,866 25,248 30,048 30,048 40,898 46,949
792.40 1,937 3,443 5,380 7,747 10,544 13,772 17,430 21,518 26,037 30,986 30,986 42,175 48,416
816.40 1,995 3,547 5,542 7,981 10,863 14,189 17,958 22,170 26,825 31,925 31,925 43,453 49,882
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Pension Bonus Table - Income Support Supplement - Single Rate

Pension Rate 12 16 20 24 28 32 36 40 44 48 52 56 60 Months
8.60 21 37 58 84 114 149 189 234 283 336 336 458 525
17.20 42 75 117 168 229 299 378 467 565 673 673 915 1,051
25.90 63 113 176 253 345 450 570 703 851 1,013 1,013 1,379 1,582
34.50 84 150 234 337 459 600 759 937 1,134 1,349 1,349 1,836 2,108
43.10 105 187 293 421 573 749 948 1,170 1,416 1,685 1,685 2,294 2,633
51.70 126 225 351 505 688 899 1,137 1,404 1,699 2,022 2,022 2,752 3,159
60.30 147 262 409 589 802 1,048 1,326 1,637 1,981 2,358 2,358 3,209 3,684
68.90 168 299 468 674 917 1,197 1,516 1,871 2,264 2,694 2,694 3,667 4,210
77.60 190 337 527 759 1,033 1,349 1,707 2,107 2,550 3,034 3,034 4,130 4,741
86.20 211 375 585 843 1,147 1,498 1,896 2,341 2,832 3,371 3,371 4,588 5,267
94.80 232 412 644 927 1,261 1,648 2,085 2,574 3,115 3,707 3,707 5,046 5,792
103.40 253 449 702 1,011 1,376 1,797 2,274 2,808 3,398 4,043 4,043 5,503 6,318
112.00 274 487 760 1,095 1,490 1,947 2,464 3,041 3,680 4,380 4,380 5,961 6,843
120.60 295 524 819 1,179 1,605 2,096 2,653 3,275 3,963 4,716 4,716 6,419 7,369
129.30 316 562 878 1,264 1,720 2,247 2,844 3,511 4,249 5,056 5,056 6,882 7,900
137.90 337 599 936 1,348 1,835 2,397 3,033 3,745 4,531 5,392 5,392 7,340 8,426
146.50 358 637 995 1,432 1,949 2,546 3,222 3,978 4,814 5,729 5,729 7,797 8,951
155.10 379 674 1,053 1,516 2,064 2,696 3,412 4,212 5,096 6,065 6,065 8,255 9,477
163.70 400 711 1,111 1,600 2,178 2,845 3,601 4,445 5,379 6,401 6,401 8,713 10,002
172.40 421 749 1,170 1,685 2,294 2,996 3,792 4,682 5,665 6,742 6,742 9,176 10,534
181.00 442 786 1,229 1,769 2,408 3,146 3,981 4,915 5,947 7,078 7,078 9,634 11,059
189.60 463 824 1,287 1,854 2,523 3,295 4,170 5,149 6,230 7,414 7,414 10,091 11,585
198.20 484 861 1,346 1,938 2,637 3,445 4,360 5,382 6,512 7,750 7,750 10,549 12,110
206.80 505 899 1,404 2,022 2,752 3,594 4,549 5,616 6,795 8,087 8,087 11,007 12,635
215.40 526 936 1,462 2,106 2,866 3,744 4,738 5,849 7,078 8,423 8,423 11,465 13,161
224.10 548 974 1,521 2,191 2,982 3,895 4,929 6,086 7,364 8,763 8,763 11,928 13,693
232.70 569 1,011 1,580 2,275 3,096 4,044 5,118 6,319 7,646 9,100 9,100 12,385 14,218
241.30 590 1,048 1,638 2,359 3,211 4,194 5,308 6,553 7,929 9,436 9,436 12,843 14,743
249.90 611 1,086 1,697 2,443 3,325 4,343 5,497 6,786 8,211 9,772 9,772 13,301 15,269
258.50 632 1,123 1,755 2,527 3,440 4,493 5,686 7,020 8,494 10,108 10,108 13,759 15,794
267.10 653 1,161 1,813 2,611 3,554 4,642 5,875 7,253 8,776 10,445 10,445 14,216 16,320
275.80 674 1,198 1,872 2,696 3,670 4,793 6,066 7,490 9,062 10,785 10,785 14,679 16,851
284.40 695 1,236 1,931 2,780 3,784 4,943 6,256 7,723 9,345 11,121 11,121 15,137 17,377
293.00 716 1,273 1,989 2,864 3,899 5,092 6,445 7,957 9,627 11,457 11,457 15,595 17,902
ISS recipients whose War Widow(er)'s Pension is reduced by other compensation payments may receive a higher amount and should contact us for an estimate of their Bonus amount.
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Pension Bonus Table - Income Support Supplement - Couple Rate

Pension Rate 12 16 20 24 28 32 36 40 44 48 52 56 60 Months
9.10 22 40 62 89 121 158 200 247 299 356 356 484 556
18.10 44 79 123 177 241 315 398 492 595 708 708 963 1,106
27.20 66 118 185 266 362 473 598 739 894 1,064 1,064 1,448 1,662
36.30 89 158 246 355 483 631 798 986 1,193 1,419 1,419 1,932 2,218
45.40 111 197 308 444 604 789 999 1,233 1,492 1,775 1,775 2,416 2,774
54.40 133 236 369 532 724 945 1,197 1,477 1,787 2,127 2,127 2,895 3,324
63.50 155 276 431 621 845 1,104 1,397 1,724 2,086 2,483 2,483 3,380 3,880
72.60 177 315 493 710 966 1,262 1,597 1,971 2,386 2,839 2,839 3,864 4,436
81.70 200 355 555 799 1,087 1,420 1,797 2,219 2,685 3,195 3,195 4,348 4,992
90.70 222 394 616 887 1,207 1,576 1,995 2,463 2,980 3,547 3,547 4,827 5,542
99.80 244 434 678 976 1,328 1,734 2,195 2,710 3,279 3,903 3,903 5,312 6,098
108.90 266 473 739 1,065 1,449 1,893 2,395 2,957 3,578 4,258 4,258 5,796 6,654
118.00 288 513 801 1,154 1,570 2,051 2,596 3,204 3,877 4,614 4,614 6,281 7,210
127.00 310 552 862 1,242 1,690 2,207 2,793 3,449 4,173 4,966 4,966 6,760 7,760
136.10 333 591 924 1,331 1,811 2,365 2,994 3,696 4,472 5,322 5,322 7,244 8,316
145.20 355 631 986 1,419 1,932 2,524 3,194 3,943 4,771 5,678 5,678 7,728 8,872
154.30 377 670 1,048 1,508 2,053 2,682 3,394 4,190 5,070 6,034 6,034 8,213 9,428
163.30 399 710 1,109 1,596 2,173 2,838 3,592 4,435 5,366 6,386 6,386 8,692 9,978
172.40 421 749 1,170 1,685 2,294 2,996 3,792 4,682 5,665 6,742 6,742 9,176 10,534
181.50 444 789 1,232 1,774 2,415 3,154 3,992 4,929 5,964 7,097 7,097 9,660 11,090
190.50 466 828 1,293 1,862 2,535 3,311 4,190 5,173 6,259 7,449 7,449 10,139 11,640
199.60 488 867 1,355 1,951 2,656 3,469 4,390 5,420 6,559 7,805 7,805 10,624 12,196
208.70 510 907 1,417 2,040 2,777 3,627 4,591 5,667 6,858 8,161 8,161 11,108 12,752
217.80 532 946 1,479 2,129 2,898 3,785 4,791 5,914 7,157 8,517 8,517 11,592 13,308
226.80 554 985 1,540 2,217 3,018 3,942 4,989 6,159 7,452 8,869 8,869 12,071 13,857
235.90 577 1,025 1,601 2,306 3,139 4,100 5,189 6,406 7,751 9,225 9,225 12,556 14,413
245.00 599 1,064 1,663 2,395 3,260 4,258 5,389 6,653 8,050 9,580 9,580 13,040 14,970
254.10 621 1,104 1,725 2,484 3,381 4,416 5,589 6,900 8,349 9,936 9,936 13,524 15,526
263.10 643 1,143 1,786 2,572 3,501 4,573 5,787 7,145 8,645 10,288 10,288 14,003 16,075
272.20 665 1,183 1,848 2,661 3,622 4,731 5,987 7,392 8,944 10,644 10,644 14,488 16,631
281.30 687 1,222 1,910 2,750 3,743 4,889 6,187 7,639 9,243 11,000 11,000 14,972 17,187
290.40 710 1,262 1,971 2,839 3,864 5,047 6,388 7,886 9,542 11,356 11,356 15,457 17,743
299.40 732 1,301 2,033 2,927 3,984 5,203 6,586 8,130 9,838 11,708 11,708 15,936 18,293
308.50 754 1,340 2,094 3,016 4,105 5,362 6,786 8,377 10,137 12,064 12,064 16,420 18,849
ISS recipients whose War Widow(er)'s Pension is reduced by other compensation payments may receive a higher amount and should contact us for an estimate of their Bonus amount.
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