Visual image quality metrics combine comprehensive descriptions of ocular optics (from wavefront error) with a measure of the neural processing of the visual system (neural contrast sensitivity). To improve the ability of these metrics to track real-world changes in visual performance and to investigate the roles and interactions of those optical and neural components in foveal visual image quality as functions of age and target luminance, models of neural contrast sensitivity were constructed from the literature as functions of (1) retinal illuminance (Trolands, td), and (2) retinal illuminance and age. These models were then incorporated into calculation of the visual Strehl ratio (VSX). Best-corrected VSX values were determined at physiological pupil sizes over target luminances of 10 4 to 10 −3 cd/m 2 for 146 eyes spanning six decades of age. Optical and neural components of the metrics interact and contribute to visual image quality in three ways. At target luminances resulting in >900 td at physiological pupil size, neural processing is constant, and only aberrations (that change as pupil size changes with luminance) affect the metric. At low mesopic luminances below where pupil size asymptotes to maximum, optics are constant (maximum pupil), and only the neural component changes with luminance. Between these two levels, both optical and neural components of the metrics are affected by changes in target luminance. The model that accounted for both retinal illuminance and age allowed VSX, termed VSX(td,a), to best track visual acuity trends (measured at 160 and 200 cd/m 2) as a function of age (20s through 70s) from the literature. Best-corrected VSX(td,a) decreased by 2.24 log units between maximum and minimum target luminances in the youngest eyes and by 2.58 log units in the oldest. The decrease due to age was more gradual at high target luminances (0.70 log units) and more pronounced as target luminance decreased (1.04 log units).