100% Free No Sign-Up Required

Are you getting
your full
Age Pension?

Most pensioners leave money on the table. This free app checks your pension entitlement, finds concessions you might be missing, and shows you the exact rules behind every number.

Built by Brendan Ryan, a specialist with 25 years of experience helping Australian retirees.

Download on the App Store Use on Computer

No account needed. Your data stays on your device.

Concessions Screen
Pension Details
Age Pension Dashboard
25 years specialist experience 500+ Australian families helped AFSL 499173
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Later Life Notes

A note from Brendan on the rules, the quirks, and the real numbers of retirement in Australia.

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What the app checks

10 questions. 40+ rules.
One free app.

Enter your situation once. The app applies every relevant government rule automatically.

Age Pension Entitlement

Income test, assets test, deeming rates, pension supplement and taper calculations.

8 rules applied

Concession Cards

Pensioner Concession Card, Seniors Health Card, utility rebates, transport and council rates.

6 rules applied

Work Bonus

How much you can earn before your pension is reduced, including the $300/fortnight Work Bonus.

4 rules applied

Tax Offsets (SAPTO)

Senior Australian tax offsets, rebate income thresholds, and Medicare Levy reductions.

5 rules applied

PBS & Medicare Safety Nets

Pharmaceutical Benefits Scheme thresholds, Medicare Safety Net, and out-of-pocket caps.

8 rules applied

Home Equity & Downsizer

Government Home Equity Access Scheme limits and Downsizer contribution rules.

10 rules applied

Why trust this app

Built by a specialist.
Not a startup.

Brendan Ryan

Brendan Ryan

25 years in financial services. AFSL holder. Over 500 Australian families guided through aged care and retirement decisions.

Every calculation cites the government rule behind it

Your data never leaves your device

No account, no login, no email required

Updated for the 2025-26 financial year

Works on iPhone and any web browser

Your privacy, guaranteed

Digital Twin Technology

No real accounts accessed

This is a simulator based on your inputs. We never request access to your Centrelink, bank, or superannuation.

No tracking or advertising

No analytics cookies, no ad networks, no data selling. Ever.

On-device storage only

Your financial profile stays on your phone. Delete the app and it is gone.

Stop guessing

Check your pension
entitlements today.

It takes five minutes. It costs nothing. And it might show you money you did not know you could claim.

Download on the App Store Use on Computer

Simulator Privacy: This is a digital twin based on your inputs. No real-world account access is requested or required.