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★New · 2026–27 Edition · Updated October 2026

Centrelink. Super. Tax. Aged care. Every dollar you’re owed, in plain English.

The Age Pension from 20 September 2026, the income and assets tests, super after 60, the tax-free income most seniors get, and the new aged care fees — with worked examples, the traps and the exact words to say.

★ FOR AUSTRALIANS 60+ & FAMILIES ★
The Australian Senior Survival Playbook — 2026–27 Edition2026–27 EDITION

The Australian Senior Survival Playbook

21 chapters · 10 tools · 64 pages
  • What the Age Pension pays from 20 Sep 2026 — up to $1,237.70 a fortnight single — and the two tests that decide it
  • Why a homeowner couple with up to $1,121,000 in assets can still get a part pension
  • Super after 60: tax-free withdrawals, minimum drawdowns — and how downsizing can cost a couple ~$27,378 a year in pension
  • Aged care since November 2025: Support at Home and the new residential fees, worked out
  • Gifting limits, the Work Bonus, franking refunds and the cards that cut your bills
$32AUD
One-time · instant PDF
Get the Australian Playbook — A$32
By buying, you agree to our Terms & Disclaimer.
Whether you’re about to claim, already on a part pension — or helping Mum and Dad.
Robert
Hi, I’m Robert — from the Robert Retires channel on YouTube. This is an instant PDF — read it tonight on any phone, tablet or computer, or print the worksheets before your next Centrelink appointment.
$1,237.70
Maximum Age Pension a fortnight, single, from 20 Sep 2026
$1,121,000
Assets a homeowner couple can have and still get a part pension
$78
Pension a year for every $1,000 you’re over the assets limit
~$36,960
Income a single senior can usually earn tax-free in 2026–27
✓ Updated with 20 September 2026 rates ✓ Every number checked against official sources ✓ No super fund, adviser or product to sell ✓ Plain English

If this sounds like you…

You did the work. Nobody handed you the manual. This book does.

What’s inside

21 chapters. Five parts. The exact next step.

Each chapter opens with the short answer, then gives you the 2026–27 numbers, a worked example, the trap to avoid and the exact words to say to Centrelink, your super fund or My Aged Care.

01

Part OneThe Age Pension

  1. 01The Age Pension in 2026: who gets it and how much
  2. 02The income test — and how deeming really works
  3. 03The assets test: what counts, and what doesn’t
  4. 04Claiming it right: timing, myGov and documents
  5. 05Gifts, granny flats and moving money: the five-year rules
  6. 06Keeping every dollar: changes, travel and debts
02

Part TwoSuper & Retirement Income

  1. 07Getting your super out — and keeping it tax-free
  2. 08Account-based pensions: minimum drawdowns and the $2.1 million cap
  3. 09Contributions after 60 and the downsizer
  4. 10Working after pension age: the Work Bonus
  5. 11Unlocking your home: the Home Equity Access Scheme
03

Part ThreeTax

  1. 12The tax-free income most seniors get
  2. 13Franking refunds, the Medicare levy and private health cover
  3. 14Tax when you sell, move or inherit
04

Part FourHealth & Aged Care

  1. 15Your concession cards: what each one unlocks
  2. 16Medicare, the PBS safety nets, teeth, ears and eyes
  3. 17Help at home: Support at Home
  4. 18Residential aged care: fees, RADs and the means test
05

Part FiveEveryday Money & Protection

  1. 19Concessions worth claiming: rates, energy, transport and rent
  2. 20Wills, enduring powers — and when a partner dies
  3. 21Scams and elder abuse: the sixty-second defence
10

Print & useTools, checklists & worksheets

  1. ✓The Money Check — find your chapters first
  2. ✓Your Age Pension Estimate worksheet
  3. ✓Claim-Ready Checklist · Change & Gift Log
  4. ✓The Super Check · The Aged Care Planner
  5. ✓The Concessions Checklist
  6. ✓When a partner dies: the first 90 days · My Money Record
  7. ✓Phone & website directory · 2026–27 numbers at a glance

Get the Australian Playbook — A$32

By buying, you agree to our Terms & Disclaimer.

See exactly what you’re getting.

The short answer first. Then the real 2026–27 numbers, worked examples and what to do. Three real pages from the book:

Chapter 3: The assets test — what counts and what doesn’t
The assets test, in one page
Chapter 9: What downsizing does to the Age Pension — a worked example
What downsizing does to the pension
Chapter 17: Support at Home levels and what you contribute
Support at Home, worked out

← Swipe to see more pages →

What one missed step can cost.

Downsizing without checking the assets test
~$27,378
a year of pension lost in the book’s example
Lodging your pension claim a month late
up to $2,475
two fortnights at the single rate — not back-paid
The Australian Senior Survival Playbook
A$32
one-time · yours to keep

If it helps you avoid even one of these mistakes, it pays for itself many times over.

Honest by design

Nothing to sell you but the book.

★

No fund, no adviser

No products, no commissions and no referral fees. The book explains the rules — and points you to free help like the Financial Information Service.

★

For the whole family

Written for Australians 60 and older and the adult children helping them — including the first 90 days after a partner dies.

★

Every number sourced

Pension rates from 20 September 2026 and 2026–27 thresholds, checked against Services Australia, DSS, the ATO and the Department of Health, with sources in the back.

Who wrote this book.

Robert

Robert

Creator of the “Robert Retires” YouTube channel

Every week on my channel, I take one confusing money rule and explain it in plain English — the way someone should have explained it to me.

Retirement in Australia runs on three systems at once — Centrelink, your super fund and the tax office — and each one counts your money differently. Move money without checking the rules and you can lose pension; forget to report a change and a debt can arrive months later. So I put it all in one place: what each payment, card and concession is worth in 2026–27, how the tests work, the traps that cost money, and where to get free help.

No super fund, no commissions and no upsells inside. Just the manual.

— Robert

The Australian Senior Survival Playbook 2026–27

Age Pension, super, tax and aged care — every dollar you’re owed, in plain English

The Australian Senior Survival Playbook
  • 21 chapters, each with the short answer first
  • 10 printable tools — an Age Pension estimate, checklists & a family money record
  • Your 2026–27 numbers on one tear-out page
  • Worked examples with the 20 September 2026 rates
  • The exact words to say to Centrelink, your super fund & My Aged Care
  • Instant PDF — phone, tablet, computer or print
$32AUD
One-time payment · no subscription · priced in Australian dollars
Get the Australian Playbook — A$32
By buying, you agree to our Terms & Disclaimer.
🔒 Secure checkout through Gumroad⚡ Instant download✓ One-time payment

Digital product — an instant-download PDF you read on any phone, tablet, or computer; nothing is shipped. Factual and general information only — not financial product advice, or tax, legal or personal advice. The author does not hold an Australian financial services licence. Not affiliated with Services Australia, Centrelink or the ATO.

Your questions, answered.

I’ve been told I have too much to get the Age Pension. Is this for me?

Very possibly. From 20 September 2026, a homeowner couple can have up to $1,121,000 in assessable assets — not counting their home — and still get a part pension, and any Age Pension comes with a Pensioner Concession Card. Chapters 1 to 3 show how the two tests work, and Tool 2 helps you estimate your own figure.

I’m already on the pension. Will I learn anything?

Yes. Much of the book is about keeping what you get: reporting changes within 14 days, the gifting limits, the Work Bonus, travel rules, concessions you may not be claiming, and what happens when a partner dies or moves into care.

Does it cover aged care?

Yes — two full chapters on the rules since 1 November 2025: Support at Home levels and contributions (Chapter 17), and residential care fees, RADs, DAPs and the means test (Chapter 18), plus an Aged Care Planner you can fill in.

Does it cover my state?

The Age Pension, super and tax rules are national. Where states differ — concessions on rates, energy and transport, and the names of enduring power of attorney documents — the book gives examples for the larger states and tells you where to check the rest.

Is this financial advice?

No. It’s factual and general information only — it doesn’t take into account your objectives, financial situation or needs, and the author doesn’t hold an Australian financial services licence. For decisions about your own super, investments or aged care, the book points you to licensed advisers and the free Financial Information Service (132 300).

Are you connected with Centrelink or the government?

No. This is an independent guide. It isn’t affiliated with or endorsed by Services Australia, Centrelink, the ATO, the Department of Health, Disability and Ageing, any state government or any super fund.

Will it be updated?

Pension rates change every March and September, and many thresholds every July. The QR code at the back of the book brings you to robertretires.com/au for updates and next year’s edition.

Can I print the worksheets?

Yes. The 10 tools are designed to print on regular paper — including the Age Pension estimate, the claim checklist and the money record your family will need if something happens to you.

Do I need to be good with computers?

Not at all. After you buy, you get a simple link to download your book as a PDF. You can read it on any phone, tablet, or computer — or print it. If you can open an email, you can use this.

Is this a subscription?

No. It’s a one-time payment of A$32 and the book is yours to keep. Nothing is recurring.

Will you call me or share my information?

Never. We only use your email to deliver your book and, if you’d like, to let you know when it’s updated. We never ask for your phone number, and we never sell your information to anyone.