Resources
Plain-English guides to the Age Pension: rates, the assets and income tests, deeming, super and what happens when your circumstances change.
- All articles
- Assets test
- Eligibility
- Income test & deeming
- Rates & indexation
- Superannuation
- Your home & life events
Selling your home, downsizing and the Age Pension
Your home is exempt from the assets test, so selling it can change your pension more than anything else. Sale proceeds, the 24-month rule and downsizing.
What age can you get the Age Pension? Eligibility explained
Age Pension age is 67, with no increase legislated beyond it. The age and residence rules, when you can claim, and what decides your payment rate.
Superannuation and the Age Pension: how your super is assessed
How your super counts towards the Age Pension: accumulation accounts, account-based pensions, grandfathered income streams and defined benefit schemes.
Does an inheritance affect your Age Pension?
An inheritance is not income, but it counts as an asset the day you receive it and is then deemed. How it affects your Age Pension, plus the gifting rules.
The Age Pension income test explained
How the Age Pension income test works: your pension drops 50 cents for every dollar over the free area. What counts as income, deeming and the Work Bonus.
Deeming explained: how Centrelink assumes your savings earn income
How deeming works: Centrelink assumes your savings, shares and super earn 1.25% up to the threshold and 3.25% above it, whatever they actually return.
The Age Pension assets test explained
How the Age Pension assets test works: what counts, what is exempt, and the current free areas and cut-off limits for homeowners and non-homeowners.
How much is the Age Pension? Current rates from 1 July 2026
Current Age Pension rates: $1,200.90 a fortnight for a single and $1,810.40 for a couple combined. What those figures include and when they next change.
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