Frequently asked questions

Age Pension age is 67 for anyone born on or after 1 January 1957. You also need to meet residence rules, usually 10 years as an Australian resident with at least five of those in one stretch. The estimators do not check eligibility; they estimate the rate you could receive if you qualify.

No. Your principal home, and generally up to two hectares of land it sits on, is exempt from the assets test. Homeowners have a lower assets free area than non-homeowners because the home itself is not counted.

Once you reach Age Pension age, yes. Accumulation accounts and account-based pensions are counted as financial assets and are deemed for the income test. Super held by a partner who is under Age Pension age is generally not counted until they reach it.

Deeming is how Services Australia works out income from financial assets such as bank accounts, shares and super. Instead of the actual return it assumes 1.25% on the first $66,800 for a single person ($110,600 for a couple) and 3.25% on the rest, then converts that to a fortnightly amount.

Often, yes. At the 1 July 2026 rates a single homeowner can hold up to $733,500 in assessable assets and still receive a part pension; a couple who own their home up to $1,102,500. The income test has its own cut-offs and whichever test gives the lower amount applies.

The simple estimator takes three totals (financial assets, other assets and other income) and is ideal for a quick answer. The advanced estimator walks through income, superannuation and income streams, financial assets, other assets and excluded assets item by item, mirroring the way an assessment is done, and adds a payment schedule and a combined-income chart.

No. Above the income free area the pension reduces by 50 cents for every extra dollar, so each extra dollar of income still leaves you about 50 cents ahead until the pension cuts out. The advanced estimator's combined-income chart shows this for your figures.

The estimators cover the standard assets and income tests. They do not model the Work Bonus, Rent Assistance, transitional rates, overseas rates, blind pension provisions, defined benefit deductible amounts or lifetime income stream concessions. If any apply to you, your actual rate may differ.

Pension rates are indexed on 20 March and 20 September, and thresholds on 1 July. We review the estimators after each indexation and show the edition in use at the top of each page.

No. All calculations happen in your browser. Nothing you enter is sent to us or stored anywhere, and we do not ask you to sign up.

No. The estimators are a guide to how the Age Pension is calculated. Your entitlement can only be determined by Services Australia. For decisions about your finances, contact Services Australia's free Financial Information Service or a licensed financial adviser.