{ "api_version": "2.0", "url": "https://retirementwealth.com.au/api/v2/sources.json", "schema": "https://retirementwealth.com.au/api/v2/schema/api.json#/$defs/source_list", "docs": "https://retirementwealth.com.au/data/", "publisher": "retirementwealth.com.au", "scope": "Retirement Wealth provides selected factual information about Australian retirement rules and rates. It does not provide personal or general financial product advice or recommend financial products. Summaries may not cover every condition or exception. Check the linked official sources and obtain advice appropriate to your circumstances before making financial decisions.", "data_release": 13, "data_hash": "sha256:5cd8d3ea139b316bb66e85a870ba35217f7677f996766ffa90cfa1d0f06e1274", "data_updated": "2026-10-13T09:58:55Z", "count": 50, "sources": [ { "id": "ato_contributions_caps", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/contributions-caps", "covers": [ "concessional_cap", "non_concessional_cap", "carry_forward_balance_limit", "carry_forward_years", "cgt_cap" ], "checked_on": "2026-10-11" }, { "id": "ato_ncc_cap", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/caps-limits-and-tax-on-super-contributions/non-concessional-contributions-cap", "covers": [ "ncc_bring_forward_max", "bring_forward_balance_limit_3_years", "bring_forward_balance_limit_2_years", "ncc_bring_forward_2_years", "bring_forward_age_limit" ], "checked_on": "2026-10-11" }, { "id": "ato_transfer_balance_cap", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/transfer-balance-cap", "covers": [ "transfer_balance_cap_general", "defined_benefit_income_cap" ], "checked_on": "2026-10-11" }, { "id": "ato_super_guarantee", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee", "covers": [ "sg_rate", "sg_max_contribution_base" ], "checked_on": "2026-10-11" }, { "id": "ato_payments_from_super", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/payments-from-super", "covers": [ "preservation_age", "min_pension_payment_under_65", "min_pension_payment_65_74", "min_pension_payment_75_79", "min_pension_payment_80_84", "min_pension_payment_85_89", "min_pension_payment_90_94", "min_pension_payment_95_plus", "low_rate_cap", "untaxed_plan_cap" ], "checked_on": "2026-10-11" }, { "id": "ato_div296_thresholds", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/division-296-tax-thresholds-and-interest", "covers": [ "div296_threshold_lower", "div296_rate_lower", "div296_threshold_upper", "div296_rate_upper", "div296_indexation_step_lower", "div296_indexation_step_upper" ], "checked_on": "2026-10-11" }, { "id": "ato_payday_super", "publisher": "ATO", "url": "https://www.ato.gov.au/businesses-and-organisations/super-for-employers/about-payday-super", "covers": [ "payday_super_due_days" ], "checked_on": "2026-10-11" }, { "id": "ato_downsizer", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions", "covers": [ "downsizer_min_age", "downsizer_max" ], "checked_on": "2026-10-11" }, { "id": "ato_tris", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/self-managed-super-funds-smsf/paying-smsf-benefits/income-stream-pension-rules-and-payments/transition-to-retirement-income-streams", "covers": [ "tris_max_payment" ], "checked_on": "2026-10-11" }, { "id": "ato_voluntary_contributions", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/caps-limits-and-tax-on-super-contributions/restrictions-on-voluntary-contributions", "covers": [ "contributions_all_types_age_limit", "voluntary_contributions_period_after_age_limit", "work_test_age_from", "work_test_hours", "work_test_period_days", "work_test_exemption_balance_limit" ], "checked_on": "2026-10-11" }, { "id": "ato_government_contributions", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/government-contributions", "covers": [ "co_contribution_max", "co_contribution_lower_threshold", "co_contribution_higher_threshold", "co_contribution_matching_rate", "listo_max", "listo_income_threshold" ], "checked_on": "2026-10-11" }, { "id": "ato_listo", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/government-super-contributions/low-income-super-tax-offset", "covers": [ "listo_max", "listo_income_threshold", "listo_rate", "listo_min" ], "checked_on": "2026-10-11" }, { "id": "ato_co_contribution", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/government-super-contributions/super-co-contribution", "covers": [ "co_contribution_max" ], "checked_on": "2026-10-11" }, { "id": "ato_spouse_contributions", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/spouse-super-contributions", "covers": [ "spouse_offset_max", "spouse_offset_rate", "spouse_offset_max_contribution", "spouse_offset_income_lower", "spouse_offset_income_upper" ], "checked_on": "2026-10-11" }, { "id": "ato_div293", "publisher": "ATO", "url": "https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/division-293-tax", "covers": [ "div293_threshold", "div293_rate" ], "checked_on": "2026-10-11" }, { "id": "ato_fhss_release_amounts", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/early-access-to-super/first-home-super-saver-scheme/about-fhss-release-amounts", "covers": [ "fhss_annual_limit", "fhss_total_limit", "fhss_concessional_share" ], "checked_on": "2026-10-11" }, { "id": "ato_personal_tbc", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/retirement-withdrawal-lump-sum-or-income-stream/calculating-your-personal-transfer-balance-cap", "covers": [ "transfer_balance_cap_indexation_step" ], "checked_on": "2026-10-11" }, { "id": "ato_capped_defined_benefit", "publisher": "ATO", "url": "https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/withdrawing-and-using-your-super/retirement-withdrawal-lump-sum-or-income-stream/transfer-balance-cap-capped-defined-benefit-income-streams", "covers": [], "checked_on": "2026-10-11" }, { "id": "sa_age_pension_age", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/who-can-get-age-pension", "covers": [ "age_pension_age" ], "checked_on": "2026-10-11" }, { "id": "sa_age_pension_rates", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get", "covers": [ "age_pension_max_single", "age_pension_max_couple_combined", "age_pension_basic_rate_single", "age_pension_basic_rate_couple_each", "pension_supplement_max_single", "pension_supplement_max_couple_each", "energy_supplement_single", "energy_supplement_couple_each" ], "checked_on": "2026-10-11" }, { "id": "sa_assets_test", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/assets-test-for-age-pension", "covers": [ "assets_test_full_pension_single_homeowner", "assets_test_cutoff_single_homeowner", "assets_test_cutoff_couple_combined_homeowner", "assets_test_full_pension_single_non_homeowner", "assets_test_full_pension_couple_combined_homeowner", "assets_test_full_pension_couple_combined_non_homeowner", "assets_test_cutoff_single_non_homeowner", "assets_test_cutoff_couple_combined_non_homeowner" ], "checked_on": "2026-10-11" }, { "id": "sa_income_test", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/income-test-for-age-pension", "covers": [ "income_test_free_area_single", "income_test_free_area_couple_combined", "income_test_taper_single", "income_test_taper_couple_each", "income_test_cutoff_single", "income_test_cutoff_couple_combined" ], "checked_on": "2026-10-11" }, { "id": "sa_work_bonus", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/how-work-bonus-works", "covers": [ "work_bonus_fortnightly", "work_bonus_balance_max" ], "checked_on": "2026-10-11" }, { "id": "sa_cshc_income", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/income-test-for-commonwealth-seniors-health-card", "covers": [ "cshc_income_limit_single", "cshc_income_limit_couple_combined", "cshc_income_limit_couple_separated_combined" ], "checked_on": "2026-10-11" }, { "id": "sa_assets_test_dsp", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/assets-test-for-disability-support-pension", "covers": [ "assets_test_taper" ], "checked_on": "2026-10-11" }, { "id": "sa_deeming", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/deeming?context=22526", "covers": [ "deeming_rate_lower", "deeming_rate_upper", "deeming_threshold_single", "deeming_threshold_couple_combined" ], "checked_on": "2026-10-11" }, { "id": "sa_heas", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/home-equity-access-scheme", "covers": [ "heas_interest_rate" ], "checked_on": "2026-10-11" }, { "id": "sa_heas_how_much", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/how-much-you-can-get-under-home-equity-access-scheme?context=22546", "covers": [ "heas_max_combined_payment" ], "checked_on": "2026-10-11" }, { "id": "sa_heas_advance", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/home-equity-access-scheme-advance-payments?context=22546", "covers": [ "heas_advance_max" ], "checked_on": "2026-10-11" }, { "id": "sa_funeral_bonds", "publisher": "Services Australia", "url": "https://www.servicesaustralia.gov.au/funeral-bonds-and-prepaid-funerals?context=22526", "covers": [ "funeral_bond_allowable_limit" ], "checked_on": "2026-10-11" }, { "id": "myagedcare_sah_contributions", "publisher": "My Aged Care (Department of Health, Disability and Ageing)", "url": "https://www.myagedcare.gov.au/changes-contributions-while-accessing-support-home", "covers": [ "support_at_home_lifetime_cap", "mtcf_lifetime_cap" ], "checked_on": "2026-10-11" }, { "id": "health_sah_contributions", "publisher": "Department of Health, Disability and Ageing", "url": "https://www.health.gov.au/resources/publications/support-at-home-program-participant-contributions", "covers": [], "checked_on": "2026-10-11" }, { "id": "myagedcare_sah_costs", "publisher": "My Aged Care (Department of Health, Disability and Ageing)", "url": "https://www.myagedcare.gov.au/support-home-costs-and-contributions", "covers": [ "sah_contribution_clinical", "sah_contribution_independence_full_pensioner", "sah_contribution_everyday_living_full_pensioner", "sah_contribution_independence_self_funded", "sah_contribution_everyday_living_self_funded" ], "checked_on": "2026-10-11" }, { "id": "myagedcare_home_costs", "publisher": "My Aged Care (Department of Health, Disability and Ageing)", "url": "https://www.myagedcare.gov.au/aged-care-home-costs-and-fees", "covers": [ "basic_daily_fee", "hotelling_contribution_max", "nccc_daily_cap", "nccc_years_cap", "mtcf_max_daily", "mtcf_annual_cap", "mtcf_lifetime_cap", "support_at_home_lifetime_cap", "rc_income_free_area_single", "rc_asset_free_area" ], "checked_on": "2026-10-11" }, { "id": "myagedcare_accommodation_costs", "publisher": "My Aged Care (Department of Health, Disability and Ageing)", "url": "https://www.myagedcare.gov.au/understanding-aged-care-home-accommodation-costs", "covers": [ "rad_retention_rate", "rad_retention_years" ], "checked_on": "2026-10-11" }, { "id": "health_residential_fee_schedule", "publisher": "Department of Health, Disability and Ageing", "url": "https://www.health.gov.au/resources/publications/schedule-of-fees-and-charges-for-residential-care", "covers": [ "basic_daily_fee", "nccc_daily_cap", "mtcf_max_daily", "mtcf_annual_cap", "mtcf_lifetime_cap", "max_accommodation_supplement", "max_refundable_accommodation_deposit", "mpir", "hotelling_contribution_max", "support_at_home_lifetime_cap", "rc_income_free_area_single", "rc_income_free_area_couple_illness_separated_each", "rc_income_threshold_1_single", "rc_income_threshold_2_single", "rc_income_threshold_3_single", "rc_income_threshold_4_single", "rc_income_threshold_1_couple_illness_separated_each", "rc_income_threshold_2_couple_illness_separated_each", "rc_income_threshold_3_couple_illness_separated_each", "rc_income_threshold_4_couple_illness_separated_each", "rc_asset_free_area", "rc_asset_threshold_1", "rc_asset_threshold_2", "rc_asset_threshold_3", "rc_asset_threshold_4", "rc_home_exemption_cap", "rc_min_permissible_asset_level", "deeming_rate_lower", "deeming_rate_upper", "deeming_threshold_single", "deeming_threshold_couple_combined" ], "checked_on": "2026-10-11" }, { "id": "leg_div296_act", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2026A00008/asmade/2026-03-13/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "div296_threshold_lower", "div296_threshold_upper", "div296_indexation_step_lower", "div296_indexation_step_upper", "div296_first_indexation_year" ], "checked_on": "2026-10-11" }, { "id": "leg_sis_regulations", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/F1996B00580/2026-07-01/2026-07-01/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "min_pension_payment_under_65", "min_pension_payment_65_74", "min_pension_payment_75_79", "min_pension_payment_80_84", "min_pension_payment_85_89", "min_pension_payment_90_94", "min_pension_payment_95_plus" ], "checked_on": "2026-10-11" }, { "id": "leg_sis_amendment_regs_2007", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/F2007L00820/asmade/2007-04-02/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "tris_max_payment" ], "checked_on": "2026-10-11" }, { "id": "leg_work_test_act_2022", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2022A00010/asmade/2022-02-22/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "work_test_age_from", "work_test_hours", "work_test_period_days", "work_test_exemption_balance_limit", "fhss_total_limit" ], "checked_on": "2026-10-11" }, { "id": "leg_simplified_super_act_2007", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2007A00009/asmade/2007-03-15/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "spouse_offset_max", "spouse_offset_rate", "spouse_offset_max_contribution", "spouse_offset_income_lower", "spouse_offset_income_upper" ], "checked_on": "2026-10-11" }, { "id": "leg_div293_act_2013", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2013A00082/asmade/2013-06-28/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "div293_threshold", "div293_rate" ], "checked_on": "2026-10-11" }, { "id": "leg_div293_imposition_act_2013", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2013A00087/asmade/2013-06-28/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "div293_rate" ], "checked_on": "2026-10-11" }, { "id": "leg_fair_sustainable_super_act_2016", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2016A00081/asmade/2016-11-29/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "listo_max", "listo_income_threshold", "listo_rate", "listo_min", "div293_threshold", "spouse_offset_income_lower", "spouse_offset_income_upper", "carry_forward_balance_limit", "carry_forward_years", "concessional_cap_indexation_step", "transfer_balance_cap_indexation_step" ], "checked_on": "2026-10-11" }, { "id": "leg_housing_affordability_act_2017", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2017A00132/asmade/2017-12-13/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "fhss_annual_limit", "fhss_total_limit", "fhss_concessional_share" ], "checked_on": "2026-10-11" }, { "id": "leg_itaa_1997_vol6", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2004A05138/2026-08-27/2026-08-27/text/original/epub/OEBPS/document_6/document_6.html", "covers": [ "spouse_offset_max", "spouse_offset_rate", "spouse_offset_max_contribution", "spouse_offset_income_lower", "spouse_offset_income_upper", "div293_threshold", "carry_forward_balance_limit", "carry_forward_years", "low_rate_cap" ], "checked_on": "2026-10-11" }, { "id": "leg_itaa_1997_vol10", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2004A05138/2026-08-27/2026-08-27/text/original/epub/OEBPS/document_10/document_10.html", "covers": [ "concessional_cap_indexation_step", "transfer_balance_cap_indexation_step", "div296_indexation_step_lower", "div296_indexation_step_upper" ], "checked_on": "2026-10-11" }, { "id": "leg_budget_measures_no_6_act_2014", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2014A00122/asmade/2014-11-26/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "energy_supplement_single", "energy_supplement_couple_each" ], "checked_on": "2026-10-13" }, { "id": "leg_supporting_retirement_incomes_act_2019", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2019A00005/asmade/2019-03-01/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "heas_max_combined_payment" ], "checked_on": "2026-10-11" }, { "id": "leg_pls_enhancements_act_2022", "publisher": "legislation.gov.au", "url": "https://www.legislation.gov.au/C2022A00028/asmade/2022-04-01/text/original/epub/OEBPS/document_1/document_1.html", "covers": [ "heas_advance_max" ], "checked_on": "2026-10-11" } ] }