15-Year Funding Capacity vs Program Demand
Note: Funding capacity and demand both scale linearly between Year 1 and Year 15 parameters. Buffer should remain positive throughout. A negative buffer in any year indicates a funding gap that would require additional policy response.
15-Year Program Totals
Payment Benchmarks
Purchasing Power Analysis
PPP adjustment accounts for a 40% improvement in purchasing power by Year 15 (ASM-E06), driven by expected productivity gains and cost deflation in key expense categories.
ASM-E06: 40% PPP improvement by Year 15. Range: $52K–$58K for $35K nominal. Improvement is graduated — Year 1 has no PPP benefit; Year 15 has full benefit.
Three-Pillar Funding Model
Future Fund Analysis
ASM-F02: Future Fund contribution is drawn from annual returns only. The AUD 269B principal remains intact and continues generating returns for future generations. Corpus is "at risk" only if the COAD contribution exceeds annual returns.
Work Incentive Visualisation
COAD is deliberately set below minimum wage to preserve the financial incentive to return to work. The gap represents the additional annual income gained by accepting any minimum-wage employment.
COAD vs Benchmarks
ASM-S01: COAD targets 70% of minimum wage throughout the implementation period. Henderson Poverty Line: ~$33,200 AUD (single adult, 2024–25). JobSeeker: ~$19,000 AUD annually. COAD's $20,000 starting payment (2027) sits below this benchmark — an acknowledged gap designed to be closed by stacking with existing Commonwealth income support, not by COAD alone — while the payment schedule rises to $35,000 by 2041, exceeding it, and preserves the return-to-work incentive throughout.