Pension Bonus estimator
Last updated

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

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.

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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-Mar-25 to 30-Jun-25.

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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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