🇦🇺 Home country and destination
Retire in Australia, priced from your own plan
Australia rewards patience twice: hold an asset a year and half the gain vanishes from tax, and from age 60 the superannuation system pays out tax-free. Runway models both, including the preservation age that locks super until then.
What Runway models in Australia
- The 50 percent CGT discount on assets held over 12 months, about 16 percent effective at the pack's representative rate
- Superannuation modelled with its preservation age: locked until 60, then a tax-free retirement pension
- Net rental income at a representative marginal rate
- Franking credits are a documented out-of-scope assumption in the pack manifest
| Tax area | What Runway applies (2026) |
|---|---|
| Investment gains | ~16% effective (50% CGT discount) |
| Rental income | 32% modelled on net rent |
| Wealth tax | None modelled |
| Leaving home | Any exit tax your home country charges, priced into the move |
The move itself is part of the price
A move to Australia is never just Australia's tax rules. Leaving a country that charges an exit tax, Norway among them, can trigger a bill on unrealised gains as if you sold on the way out, and Runway prices that into the plan before a single AUD of spending is modelled. The mechanics are in what an exit tax costs when you leave, and the wider tooling question in which FIRE calculators handle a move abroad.
Once you are there, your spending runs in AUD through an exchange-rate scenario you control, so a weak krone decade is a plan you can stress, not a surprise.
Price the whole move, not the postcard
Runway prices a retirement in Australia end to end from your own plan: any exit tax on the way out, Australia's taxes on the drawdown, and your spending in local currency. Your freedom age is free.
Download free on the App StoreFrequently asked
What tax does Runway assume on investment gains in Australia?
Runway applies Australia's 50 percent capital-gains discount for assets held over a year, about 16 percent effective at the representative rate, and models super's tax-free pension phase from 60. The figures are 2026, income-year-stamped, and refreshed as rules change.
Do I still pay an exit tax if I retire to Australia?
It depends where you leave from. Norway charges utflyttingsskatt on unrealised gains and several other home countries charge an exit tax of their own. Runway prices whichever one applies to you into every plan that retires to Australia, as a cost of the move, before the destination's own rules take over on the drawdown.
Is Australian super really tax-free in retirement?
From age 60, in the retirement phase, yes under 2025-26 rules, and Runway models it that way alongside the preservation age that keeps the money locked until then. The proposed Division 296 change for very large balances is documented as out of scope while unenacted.
Figures are 2026, income-year-stamped estimates from the Runway country pack for Australia, produced by the same engine the app runs. They are educational estimates, not financial or tax advice: rules change, and personal cases differ. See the full country list.