Age Pension Calculator
Estimate your Centrelink Age Pension under BOTH the income test and the assets test — you're paid the lower — with the full rates and limits, plus your Commonwealth Seniors Health Card eligibility.
Current rates as at . Indicative only — general information, not personal advice.
About you
Your assets & income
For couples, enter your COMBINED assets and income. Financial assets are "deemed" to earn income for the income test; the home you live in doesn't count. You're paid under whichever test — income or assets — gives the LOWER pension.
Enter your details above to estimate your Age Pension and see how each test is worked out.
The rates & limits behind this (2025–26)
Commonwealth Seniors Health Card
Enter your details above to check your card eligibility.
Your details
Only needed if you'd like us to email or save your results.
Get your results
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Uses current Services Australia rates (Age Pension 20 March – 19 September 2026; CSHC from 20 September 2025). Maximum pension (incl. supplements) $1,200.90/ft single, $1,810.40/ft couple combined. Income test: free area $218 (single) / $380 (couple) per fortnight, reducing 50c per $1 over. Assets test: $3 per fortnight per $1,000 over the threshold. Deeming: 1.25% on the first $64,200 (single) / $106,200 (couple) of financial assets, 3.25% above. CSHC income limits (taxable income + deemed income, no assets test): $101,105 single / $161,768 couple per year. A guide only — excludes income-stream rules, gifting, exempt assets, the Work Bonus, transitional rates and individual circumstances. General information only — not personal advice. Navarino Wealth Pty Ltd.