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. 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 deemed income on financial assets, employment income and rental income. Use Services Australia's income test rules.
Enter your details
Enter your age, assessable assets or income to estimate your Age Pension entitlement using Services Australia rates current from 20 March 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 assessable assets and income, and your financial assets for deeming.
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 or overseas rates. Confirm your own figures with Services Australia.
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 by $3 per $1,000 over the threshold each fortnight, which is 67 times $3, or $201 a fortnight. Their income test result is worked out separately, and Services Australia pays whichever 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
The first $300 a fortnight of employment income is set aside before the income test applies.
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 | $1,200.90 per fortnight, incl. supplements (20 Mar to 19 Sep 2026) | Services Australia, How much Age Pension you can get |
| Maximum rate, couple | $905.20 each per fortnight, $1,810.40 combined, incl. supplements (20 Mar to 19 Sep 2026) | Services Australia, How much Age Pension you can get |
| Income test free area | $226 per fortnight single, $396 combined couple | 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 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 test taper | $3 per $1,000 over the threshold per fortnight | Services Australia, Assets test for Age Pension |
| Deeming rates | 1.25% up to $66,800 single or $110,600 couple, 3.25% above (from 1 Jul 2026) | Services Australia, Deeming |
| Work Bonus | First $300 per fortnight of employment income set aside | 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 10 August 2026.
Frequently asked questions
Services Australia applies an income test and an assets test and pays the lower result, starting from the maximum rate.
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 10 August 2026.