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Payday Super Impact Calculator
Calculate the compounding interest savings of weekly or fortnightly super contributions versus quarterly payments.
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A 98-day overseas visit with an illustrative A$56 full fortnightly Pension Supplement entitlement would pay an estimated A$336 of supplement for the first 84 days, then none for the remaining 14 days, if your main pension stays payable. Since 20 September 2026, a temporary trip can keep the supplement for up to 12 weeks; a permanent move ends it on departure. Enter your full fortnightly component, including any part elected for quarterly payment, and the number of days your main payment can continue abroad. The result models the supplement only, not your total pension.
The new overseas window is 12 weeks
The 20 September 2026 change doubled the full Pension Supplement travel window from six to 12 weeks for a temporary absence. After that window, the supplement stops while you remain overseas; it no longer steps down to a smaller basic amount. The new rule therefore helps many visits between six and 12 weeks, while a very long absence can have a different result from the old rule. This tool is for a departure on or after 20 September 2026 and turns 12 weeks into 84 days for its cash-flow arithmetic. Exact departure and return day treatment belongs to Services Australia or DVA. The DVA update of 24 September 2026 confirms the change for both veteran and Centrelink pensioners.
Your main pension can set an earlier stop
Pension Supplement is attached to an eligible main payment. The supplement's 12-week travel allowance does not extend the main payment's own overseas portability. Services Australia says the travel rules of your main payment affect whether you receive the supplement. Enter the number of days your agency confirms that payment can continue on your particular trip. If that is fewer than 84 days, the calculator uses the shorter period. A person on Age Pension can face other overseas rate changes later in a long trip; a person receiving a different pension may have a much shorter main-payment window. This page does not model income and assets tests, residence history, international agreements, or the base pension. Read the current Services Australia travel guidance alongside your payment-specific rules.
Use your own fortnightly supplement
The A$56 starting amount in the widget is Leonie's example amount, not an official rate or a quote for your case. Use your full fortnightly Pension Supplement entitlement. If you elected to receive its minimum component quarterly, a single fortnightly deposit may show less than the amount to enter here; ask Services Australia or DVA for the equivalent. Means tests and family circumstances can also reduce entitlement. DVA's published headline rate can include Energy Supplement for some payments, and Income Support Supplement can contain the Pension Supplement without showing it as a separate line. Ask DVA for the actual Pension Supplement component; entering a combined figure would overstate it. The DSS rate guide reviewed 21 September 2026 says the annual supplement is converted to a daily amount using 364 days, equivalent to the fortnightly entitlement divided by 14.
A permanent move has no 12-week allowance
Select 'moving overseas to live' if that is your plan. From 20 September 2026 the Pension Supplement stops as soon as you leave to live overseas, including for people who were already living outside Australia when the rule began. Do not enter a permanent departure as a temporary 80-day visit just to see a higher number. The distinction turns on your actual circumstances and the agency's residence decision, not the return flight alone. Services Australia's travel guidance and DVA's current Pension Supplement page set out the immediate stop for permanent moves. Your base pension may have a different overseas outcome and must be checked separately.
Tell the agency before you go
Services Australia asks Age Pension recipients to update overseas travel details through Centrelink linked to myGov or by contacting it. DVA pensioners can notify DVA in MyService or by phone. Give the planned departure and return dates, say whether the move is temporary, and ask when the main payment and each supplement changes. Keep the written response next to your itinerary. If your actual trip extends, update the agency promptly because the 12-week estimate will no longer match your old plan. Quarterly payment elections and bank deposit dates can make the cash arrive on a different day from the daily accrual shown here. The result gives a planning amount, not a payment calendar or proof of entitlement.
What the numbers actually mean for you
Leonie's fourteenth week has a different cash flow
Leonie is planning a 98-day visit to family in India. Her payment statement shows a Pension Supplement component of A$56 per fortnight, and her main pension will continue throughout the trip under the assumption she has checked with the payment agency. At A$4 per day, her first six weeks abroad represent A$168. Under the rule effective 20 September 2026, the next six weeks also retain the full supplement, bringing the 84-day total to A$336. The final 14 days add nothing to that supplement total.
That shape matters more than a single headline rate. A 42-day trip receives an estimated A$168 at her entered amount. An 84-day trip receives A$336. Extending it to 98 days leaves the supplement estimate at A$336, even though the main pension may continue. The old six-week rule paid a basic supplement after the initial window; the current rule removes the supplement entirely after 12 weeks. Do not compare the two systems by extending the full old rate beyond six weeks, because that was never the old payment rule.
These are planning days, not a prediction of bank deposit dates. Some pensioners take the minimum supplement quarterly, and the agency may count departure or return days in a way that does not match a simple calendar subtraction. Give the agency the exact dates and ask it to confirm what it will pay. The calculator is most useful for seeing the size of the supplement component before the formal payment advice arrives.
The main payment's own limit can arrive first
A 12-week supplement allowance is not permission for every pension or allowance to be paid abroad for 12 weeks. Services Australia says directly that the travel rules of the main payment affect Pension Supplement. Age Pension, Disability Support Pension, Veteran Payment and other eligible payments do not share one portability formula. Income and assets, residence history, foreign pensions and international agreements can also change an individual's base payment. The widget therefore asks how many days the main payment remains payable, instead of silently assuming that all 84 supplement days are available.
For an otherwise identical 98-day trip at A$56 a fortnight, Leonie enters 98 main-payment days and gets 84 supplement days, or A$336. Ravi enters a 28-day main-payment allowance confirmed for his example and gets 28 supplement days, or A$112. The 56-day difference between those payable windows is A$224 at their illustrative rate. The tool makes that limitation visible while leaving the underlying pension calculation to the agency that holds the record.
If you do not know the main-payment limit, do not treat the default of 98 days as a government finding. It is a sample matching the sample trip. Check the travel guidance for your exact payment and tell Services Australia or DVA your dates before you rely on the result. In particular, a main payment stopped by a travel rule cannot be resurrected by the supplement's broader headline window.
A permanent move starts at zero
Moving overseas to live triggers a different rule from taking a temporary visit. From 20 September 2026, Pension Supplement ends from departure for a permanent move. The change also affected people already living overseas when it took effect. Even if your Australian base pension continues under its own overseas provisions, the Pension Supplement component is zero under this rule. The calculator reflects that when you select permanent relocation, regardless of the trip length or the main-payment duration entered.
An open return ticket, a home kept in Australia, family ties and work or residence plans can all matter to the agency's decision about where you live. There is no useful rule that every stay under 84 days is temporary or every longer stay is permanent. Answer the input from the circumstances you report to Services Australia or DVA. If the agency classifies the trip differently from your initial plan, the number shown here changes immediately.
For Leonie's A$56 fortnightly amount, a 98-day temporary trip produced A$336 in this narrow supplement estimate. A permanent move produces zero from day one. That is an A$336 difference in this illustration, but it does not measure her total pension, tax residency, health coverage or foreign benefit position. Those questions require their own rules and are outside this widget's scope.
Read the paid component before dividing by fourteen
Published maximum tables are useful for checking an agency's calculation, yet they are a poor default for travel planning. Means testing may reduce your own Pension Supplement, and partnership status changes the applicable figure. DVA's September page also shows some rates that include Energy Supplement, which has separate portability rules. If you enter that combined figure as Pension Supplement, the tool will overstate the part carried through the 12-week window. Ask for the component amount on your payment statement or a breakdown from the agency.
The mathematical daily conversion is simple once the correct component is known. DSS divides the annual Pension Supplement rate by 364. With 26 fortnights in 364 days, a statement amount divided by 14 produces the same daily equivalent. An actual A$42 fortnightly component, for example, is A$3 daily and gives A$210 for a 70-day temporary trip when its main payment remains payable for all 70 days. The A$42 is an example chosen to show the calculation, not a published entitlement.
Rates can change during a long journey. Australia's social security amounts are indexed at set times, and your means-tested entitlement can move when you report changed circumstances. This tool holds the one amount you enter constant across the trip so you can understand the travel cutoff. For a trip spanning a new rate period, ask the agency for an updated estimate and rerun the widget with the revised component. Preserve the written advice, because a single large number without its source is hard to check later.
Supplement cash flow during an overseas absence
R is your full Pension Supplement entitlement expressed per fortnight, D is your planned number of days overseas, and M is the number of those days your main pension remains payable. If you elected to receive part of the supplement quarterly, ask your agency for the full fortnightly equivalent before entering R. For a temporary absence starting on or after 20 September 2026, the supplement window is 12 weeks, or 84 days. A permanent move sets the supplement amount to zero from departure.
DSS says the daily supplement is the annual rate divided by 364. Because a fortnightly amount represents 14 days and 26 fortnights total 364 days, dividing your actual fortnightly amount by 14 is the same conversion. This is a cash-flow estimate at an unchanged entered rate. Services Australia or DVA may apply means tests, departure-day counting and other payment rules that change the deposit you actually receive.
Calculation Steps:
- Confirm that your departure is on or after 20 September 2026. This calculator does not apply the old six-week and basic-supplement rules to an earlier trip.
- Find your full fortnightly Pension Supplement entitlement. If part is paid quarterly, a single fortnightly deposit may not show all of it. Exclude the main pension and any separately listed Energy Supplement.
- Count your expected days overseas. The widget uses up to 84 of them under the 12-week temporary-travel rule.
- Ask Services Australia or DVA how long your main payment remains payable on this trip, then enter those days. The supplement cannot outlast the payment it is attached to.
- Select temporary travel or permanent relocation. A permanent move stops the supplement on departure under the September rule, even if the main pension follows a different timetable.
- The tool divides the entered fortnightly supplement by 14, multiplies by the payable days, and shows the rest of the trip as days without this supplement. Recheck the answer if your travel dates or payment rate change.
Worked example
Leonie receives A$56 a fortnight in Pension Supplement according to her own statement. She plans a 98-day temporary visit to relatives after 20 September 2026. She checks with Services Australia, which confirms for this example that her main payment will remain payable for the whole trip. A$56 divided by 14 is A$4 per day.
The 12-week supplement window covers 84 of Leonie's 98 travel days. She estimates A$4 times 84, or A$336, of Pension Supplement during the trip. The remaining 14 days carry no Pension Supplement, a difference of A$56 compared with applying her entered rate for every travel day. This says nothing about her main pension or Energy Supplement during those final two weeks.
Her neighbour Ravi also receives A$56 a fortnight, but his payment agency confirms that his main payment will only remain payable for the first 28 days of an otherwise identical 98-day trip. His supplement estimate is A$4 times 28, or A$112. The 12-week rule does not keep the supplement alive after his main payment stops. These amounts are illustrative statements, not a claim that either person receives an official A$56 rate.
If Leonie instead tells Services Australia she is moving overseas to live, her estimated Pension Supplement from departure is zero. Calling that move a temporary trip in the widget would be the wrong scenario, regardless of how many days she first expects to stay away. The agency decides residence and payment treatment from her real circumstances.
Input definitions
Review the glossary of terms used in the calculation model below. Click on highlighted links to read more in-depth definitions in our financial glossary:
| Parameter | Definition & Context |
|---|---|
| Full fortnightly Pension Supplement entitlement | Use the full fortnightly equivalent, including any portion elected for quarterly payment. Published maximum rates and combined pension figures are unsuitable substitutes. |
| Days outside Australia | Your planned overseas duration for a departure on or after 20 September 2026. The 12-week statutory ceiling is represented as 84 days. |
| Main payment's payable days | The number of trip days your underlying eligible pension or other payment remains payable, as confirmed under its own portability rules. |
| Temporary or permanent departure | A temporary visit may retain Pension Supplement for up to 12 weeks. Moving overseas to live ends the supplement immediately under the new rule. |
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