Calculate∑ What your result means
The Age Pension is means-tested using two separate tests — an assets test and an income test — and Services Australia pays whichever test produces the lower (more restrictive) pension amount.
Australia Age Pension Eligibility Calculator
Estimate your fortnightly Age Pension under the assets test and income test.
Your details
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Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-06-01
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Compare scenarios
Change assessable assets (excl. home) to see how estimated fortnightly pension responds.
Understand your result
Clear context for the values above.
Estimated fortnightly pension
Estimated fortnightly pension is included so you can interpret this estimate and make a better-informed comparison.
Maximum fortnightly rate
Maximum fortnightly rate is included so you can interpret this estimate and make a better-informed comparison.
Estimated annual pension
Estimated annual pension is included so you can interpret this estimate and make a better-informed comparison.
Calculated deemed income per fortnight
Calculated deemed income per fortnight is included so you can interpret this estimate and make a better-informed comparison.
How to use this calculator
- 1Enter your current assessable assets (excl. home), assessable income, financial assets subject to deeming, other assessable income excluding deemed income, lower deeming threshold, lower deeming rate, upper deeming rate, relationship status, housing status.
- 2Review the headline estimated fortnightly pension and the supporting figures beside it.
- 3Change one input at a time to see which assumption has the biggest effect.
- 4Confirm current Australian rates and thresholds with an official source before acting.
Explore this calculator
What your result means →The headline estimated fortnightly pension is based on the inputs currently shown above.Key terms explained →Review the key terms and figures used to calculate this result.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard formula for this calculator. Results update whenever an input changes.Worked example →Using the current values produces $1,201.Assumptions and limitations →Review the assumptions used to produce this estimate before relying on it.Costs or factors not included →Review any costs, fees or rules not automatically included before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
▦ How this calculator works
The calculator estimates a reduction under each test: the assets test reduces the pension by roughly $3 per fortnight for every $1,000 of assessable assets above the relevant homeowner threshold, and the income test reduces it by 50 cents per dollar of income above the threshold. The larger of the two reductions is applied to the maximum rate.
◇ Assumptions and what's not included
This uses the full-pension asset thresholds effective 1 July 2026. Deeming rules apply to financial assets, and pension age, residence rules, supplements and special circumstances require separate checks.
▤ What to do next
Use this as a rough guide only and confirm your actual entitlement with Services Australia or a Centrelink financial information service, since thresholds and rates change with each indexation date.
Australia-specific contextFigures use AUD and current published rates and thresholds.
Reviewed for clarityUpdated 3 August 2026.
ImportantFor planning and educational use — not tax, legal or financial advice.
Your privacy mattersInputs stay in your browser.
Frequently asked questions
Why does it matter whether I own my home?+
Homeowners have a lower asset-free threshold than non-homeowners because the principal home is generally excluded. Select the housing status that applies.
What does 'deeming' mean for the income test?+
Financial assets like bank accounts and shares are deemed to earn income at set rates for the income test, regardless of what they actually earn — this calculator asks for assessable income directly rather than deeming it.
How often do the thresholds change?+
Asset and income thresholds, along with maximum pension rates, are indexed in March and September each year, so figures here will drift out of date between updates.
Does this check my age or residency eligibility?+
No, this only estimates the means-tested amount — you also need to meet Age Pension age and residency requirements to qualify at all.
Official references
Rules and thresholds used by this calculator are labelled for 2026–27 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.