Disclaimer: This calculator provides estimates only and should not be considered financial or social security advice. Age Pension rates, thresholds and eligibility rules are set by Services Australia and indexed twice yearly. Deeming rules, exempt asset rules and the income test are complex. This tool does not constitute advice from Services Australia. Always contact Services Australia or a licensed financial adviser to confirm your entitlement. Evercend Pty Limited does not hold an Australian Financial Services Licence.
Age pension eligibility inputs and results
Includes super, investments, cars and savings. Excludes your primary home and certain exempt assets.
Includes employment income, rental income, and deemed income on your financial assets, which you work out yourself and add in here. This calculator does not apply the Work Bonus set-aside, so your actual entitlement may be higher if you have employment income.
Enter your details
Enter your age, assessable assets or income to estimate your Age Pension entitlement using Services Australia rates current from 20 September 2026 (payment rates) and 1 July 2026 (thresholds).
Estimating your Age Pension entitlement
The Age Pension calculator estimates your fortnightly Age Pension using the two means tests that Services Australia applies, the income test and the assets test. It pays whichever test produces the lower amount.
How to use this calculator
Enter your details
Enter your relationship status, whether you own your home, your age, your total assessable assets and your total assessable income, including any deemed income you have worked out on your financial assets.
Read the result
The calculator applies both tests and shows the estimated fortnightly payment.
How this calculator works
Services Australia runs an income test and an assets test and pays the lower of the two results, starting from the maximum rate. The income test counts assessable income, including income deemed from financial assets, and reduces the maximum rate once income passes a free area. The assets test counts assessable assets, with your principal home generally excluded, and reduces the maximum rate once assets pass a threshold that depends on homeownership and relationship status. Deeming treats your financial assets as earning a set rate rather than their actual return.
Assumptions used
The figures shown are the current Services Australia rates, which are indexed on 20 March and 20 September for payment rates and on 1 July for the test thresholds and deeming, so they change during the year. The calculator uses the standard rates and does not model every case, such as transitional-rate pensioners, rent assistance, illness separation, overseas rates or the Work Bonus set-aside on employment income, so a working pensioner's own entitlement may be higher than the figure shown.
Worked example
A single homeowner with $400,000 in assessable assets is $67,000 above the full-pension assets threshold of $333,000.
The assets test reduces the maximum rate of $1,237.70 by $3 per $1,000 over the threshold each fortnight, which is 67 times $3, or $201 a fortnight, leaving $1,036.70 a fortnight under the assets test. This figure assumes their income is at or below the income free area, since Services Australia pays whichever test, the assets test or the income test, gives the lower amount.
The calculator produces the figures for the details entered.
What changes your Age Pension entitlement
Several things change your Age Pension rate and whether you qualify. The main ones are:
Relationship status and homeownership
These set the thresholds for both tests.
Assessable assets
Amounts over the threshold cut the pension by $3 per $1,000 a fortnight.
Assessable income
Including deemed income, which cuts the pension by 50c per $1 over the free area.
Deeming rates
These set the income counted on financial assets regardless of actual returns.
Work Bonus
Services Australia sets aside the first $300 a fortnight of employment income before applying its income test. This calculator does not apply that set-aside.
Indexation timing
Rates change on 20 March, 20 September and 1 July.
Qualifying age and residence
A person must be 67 and meet residence rules.
Rates and assumptions used
| Item | Value used | Source |
|---|---|---|
| Qualifying age | 67 | Services Australia, Who can get Age Pension |
| Maximum rate, single | $1,237.70 per fortnight, incl. supplements (20 Sep 2026 to 19 Mar 2027) | Services Australia, How much Age Pension you can get |
| Maximum rate, couple | $933.00 each per fortnight, $1,866.00 combined, incl. supplements (20 Sep 2026 to 19 Mar 2027) | Services Australia, How much Age Pension you can get |
| Income test free area | $226 per fortnight single, $396 combined couple (from 1 Jul 2026) | Services Australia, Income test for Age Pension |
| Income nil cut-off | $2,701.40 per fortnight single, $4,128.00 combined couple (20 Sep 2026 to 19 Mar 2027) | Services Australia, Income test for Age Pension |
| Income test taper | 50c per $1 over the free area | Services Australia, Income test for Age Pension |
| Assets test full-pension threshold, homeowner | $333,000 single, $499,000 couple combined (from 1 Jul 2026) | Services Australia, Assets test for Age Pension |
| Assets nil cut-off, homeowner | $745,750 single, $1,121,000 couple combined (20 Sep 2026 to 19 Mar 2027) | Services Australia, Assets test for Age Pension |
| Assets test full-pension threshold, non-homeowner | $600,000 single, $766,000 couple combined (from 1 Jul 2026) | Services Australia, Assets test for Age Pension |
| Assets nil cut-off, non-homeowner | $1,012,750 single, $1,388,000 couple combined (20 Sep 2026 to 19 Mar 2027) | Services Australia, Assets test for Age Pension |
| Assets test taper | $3 per $1,000 over the threshold per fortnight | Services Australia, Assets test for Age Pension |
| Deeming rates | 1.75% up to $66,800 single or $110,600 couple, 3.75% above (rates from 20 Sep 2026, thresholds from 1 Jul 2026) | Services Australia, Deeming |
| Work Bonus | First $300 per fortnight of employment income set aside by Services Australia; not applied by this calculator | Services Australia, Work Bonus |
| Principal home | Exempt from the assets test | Services Australia, Assets test for Age Pension |
Figures checked against the sources above on 11 October 2026.
Frequently asked questions
Services Australia applies an income test and an assets test and pays the lower result, starting from the maximum rate.
From 20 September 2026 to 19 March 2027, up to $1,237.70 a fortnight for a single person and $933.00 each for a couple, including the Pension and Energy Supplements.
Your principal home is generally exempt from the assets test, though homeowners have lower asset thresholds than non-homeowners.
Rather than actual returns, Services Australia deems financial assets to earn 1.75 percent up to a threshold and 3.75 percent above it, and counts that as income.
Yes, but this calculator does not apply the Work Bonus. Services Australia sets aside the first $300 a fortnight of employment income before its income test applies, so a working pensioner's own entitlement may be higher than the estimate shown.
Payment rates are indexed on 20 March and 20 September, and the test thresholds and deeming on 1 July, so amounts change during the year.
The qualifying age is 67, and residence requirements also apply.
Related calculators and guides
Sources
- •Services Australia, Who can get Age Pension
- •Services Australia, How much Age Pension you can get
- •Services Australia, Income test for Age Pension
- •Services Australia, Assets test for Age Pension
- •Services Australia, Deeming
- •Services Australia, Work Bonus
Content reviewed and figures checked against the sources above on 11 October 2026.