How to calculate your Gold State Super

Gold State Super is a defined benefit scheme. This means your Final Benefit is determined by applying a fixed, or 'defined', formula.

You can use our Gold State Super calculator to work out how much you could have in your Gold State Super account by the time you retire.

You can also use this calculator to explore how different options, such as retiring later or switching to part-time work, could impact your Final Benefit.

Use or benefit calculator

Page last updated 22 January 2026