Estimate your fortnightly Age Pension using the current Centrelink income test, assets test and deeming rules.
The Pension Calculator Australia helps you estimate how much Australian Age Pension you may receive based on your age, relationship status, income, financial assets and other assessable assets. The calculator is designed to give you a simple estimate before you make a claim with Centrelink.
Your actual Age Pension payment depends on several factors. Services Australia generally assesses both the income test and the assets test and applies the test that produces the lower payment. Your residency and other eligibility requirements also need to be met.
Use the calculator above to enter your details and get an estimated fortnightly payment. The sections below explain how the estimate is worked out and what the main Australian Age Pension rules mean for you.
The Australian Age Pension is not calculated from your salary or savings alone. Centrelink considers your circumstances under different rules before determining your payment rate.
This calculator focuses on the main factors that affect a standard Age Pension estimate:
The income test and assets test are calculated separately. The result that gives the lower pension amount generally determines your payment under the standard rules.
For example, someone may have relatively low employment income but substantial assessable assets. In that situation, the assets test may reduce the pension more than the income test. Another person may have fewer assets but enough assessable income for the income test to become the limiting factor.
This is why entering both income and asset information is important when using an Australian Age Pension Calculator.
The Age Pension is a government income-support payment for eligible older Australians. Services Australia states that the current Age Pension age is 67 years or older.
Eligibility is not based on age alone. You generally also need to satisfy Australian residence requirements and the income and assets tests.
The Age Pension is separate from superannuation. You may be able to access your super under different rules, and having super does not automatically mean you cannot receive the Age Pension. However, superannuation can become relevant to the income or assets assessment depending on your circumstances and age.
Age Pension payment rates are adjusted regularly. Services Australia states that the main pension rates are adjusted on 20 March and 20 September.
From 20 September 2026, the maximum standard Age Pension including the applicable supplements is:
| Situation | Maximum payment per fortnight |
|---|---|
| Single | $1,237.70 |
| Couple, each | $933.00 |
| Couple, combined | $1,866.00 |
These figures represent maximum standard rates and do not mean every eligible person receives the full amount. Your actual payment can be lower because of the income test, assets test or other circumstances. The Department of Social Services lists the basic pension and supplement components separately.
Because payment rates can change, an Age Pension Calculator Australia should always be used with the latest published figures rather than relying on an old rate.
To receive the Australian Age Pension, you generally need to meet three main areas of eligibility:
Services Australia notes that there can be exceptions and special rules, including international social security agreements and circumstances involving permanent blindness.
The Age Pension income test looks at income received by you and, where applicable, your partner.
Income can include employment income, rental income and other assessable income. Financial assets may also produce income for assessment purposes through Centrelink's deeming rules.
For standard pensioners, the current income-test free areas are:
| Situation | Income free area per fortnight |
|---|---|
| Single | $226 |
| Couple, combined | $396 |
For a single person, income above $226 per fortnight generally reduces the pension by 50 cents for each dollar above the free area. For a couple, the standard reduction is based on combined income.
The income test also has a cut-off point. From the current published rules, the standard cut-off is $2,701.40 per fortnight for a single person and $4,128 combined per fortnight for a couple living together. The exact result can vary where special rules or additional payments apply.
Depending on your circumstances, Centrelink may consider income such as:
If you continue working after reaching Age Pension age, your employment income can affect your payment. The Work Bonus may also affect how employment income is treated for eligible pensioners.
The Age Pension assets test looks at the value of assets you and your partner own or have an interest in.
Depending on your circumstances, assessable assets can include:
The principal home is generally treated differently from other property and is generally excluded from the assets test, although your homeowner status affects the applicable asset thresholds.
From 20 September 2026, the standard full-pension asset limits are:
| Situation | Homeowner | Non-homeowner |
|---|---|---|
| Single | $333,000 | $600,000 |
| Couple, combined | $499,000 | $766,000 |
The part-pension cut-off points are higher:
| Situation | Homeowner | Non-homeowner |
|---|---|---|
| Single | $745,750 | $1,012,750 |
| Couple, combined | $1,121,000 | $1,388,000 |
These thresholds can be different for special circumstances, including couples separated due to illness and people receiving certain additional assistance.
For assets above the relevant free area, the pension can reduce. Under the standard assets-test calculation, the pension reduction is $3 per fortnight for every $1,000 of assets above the applicable threshold until the relevant cut-off is reached.
Deeming is one of the most important parts of an Australian Pension Calculator because Centrelink does not always use the actual return from your financial assets when applying the income test.
Instead, Centrelink assumes that certain financial assets earn income at a set rate. This assumed income is called deemed income and is included when applying the income test.
From 20 September 2026, the published deeming rates increased to:
For a single person, the lower rate applies to the first $66,800 of relevant financial assets. For a couple where at least one person receives a pension, the lower-rate threshold is $110,600 combined.
This means the interest or investment return you actually receive may not be the figure used for the income test.
Your relationship status can make a significant difference to your Age Pension calculation.
For couples, Centrelink generally assesses the income and assets of both partners together. The applicable couple thresholds are different from the thresholds for a single person.
For example, the current maximum standard rate is:
Couples who are separated due to illness can be assessed under different rules, so a standard calculator may not produce an accurate result for that situation.
Your principal home is generally not counted as an assessable asset for the Age Pension assets test.
However, whether you are a homeowner or non-homeowner still matters because the assets-test thresholds are different.
Non-homeowners generally have higher asset thresholds than homeowners. This difference is intended to account for the fact that a homeowner's principal residence is generally excluded from the assets test.
Other property, such as an investment property or holiday home, may be assessed differently.
There is no single Age Pension superannuation limit that applies to everyone.
The effect of super depends on your age, how the super is held, whether you are receiving an income stream and your wider financial circumstances. For people who have reached Age Pension age, superannuation can be included in the assets assessment.
This is why simply asking whether you can have a certain amount of super and still receive a pension does not always produce a useful answer.
A better approach is to include your relevant superannuation and other financial assets when using the Pension Calculator Australia and then compare the result with the official Services Australia assessment.
Consider two single Australians who both have the same employment income.
Person A has relatively few assessable assets, while Person B has substantial savings and investments.
Their income-test result could be similar because their assessable income is similar. However, Person B may receive a lower Age Pension under the assets test.
A pension calculator can be useful for planning because it gives you a starting estimate based on the information you enter.
It should not be treated as an official Centrelink determination.
Your actual payment can be affected by circumstances that a standard calculator may not include, such as:
Services Australia recommends checking your actual circumstances and current payment information before relying on an estimated amount.
After using this calculator, you can compare your estimate with the official information provided by Services Australia.
Services Australia — Age Pension
You can also use the Australian Government's official online services and Centrelink tools to check your eligibility and claim requirements.
If you are planning retirement across different countries, you can also explore our UK State Pension Calculator for UK pension calculations.
From 20 September 2026, the maximum standard Age Pension including applicable supplements is $1,237.70 per fortnight for a single person and $933.00 per fortnight for each member of a couple. The combined couple rate is $1,866.00 per fortnight.
The current Age Pension age is 67. You also need to meet the relevant residence and income and assets requirements.
Services Australia assesses your circumstances under both the income test and assets test. The test that produces the lower payment generally determines your rate.
For standard rules, a single person can have income of up to $226 per fortnight before the income test starts reducing the pension. The corresponding combined free area for a couple is $396 per fortnight. Other rules, including the Work Bonus, can affect the assessment.
There is no single savings limit for everyone. The relevant amount depends on your relationship status, whether you are a homeowner and your other assessable assets. The assets test uses different thresholds for full and part pensions.
It depends on how your super is held and your overall circumstances. For people at Age Pension age, relevant superannuation can form part of the assets assessment.
From 20 September 2026, the deeming rates are 1.75% for the lower tier and 3.75% for financial assets above the applicable threshold.
Your principal home is generally exempt from the assets test. However, your homeowner status affects the asset thresholds used to assess your Age Pension.
No. This calculator is an independent estimation tool. It is designed to help you understand how the main Age Pension income, assets and deeming rules may affect a potential payment. Your official entitlement is determined by Services Australia.
The main pension rates are adjusted on 20 March and 20 September. Other thresholds and rules can have different review dates, so always check the latest Services Australia information when making an important retirement decision.
The following government sources can be used to verify current Age Pension rules, rates and eligibility information:
The Pension Calculator Australia gives you a practical way to estimate your potential Age Pension before checking your official entitlement.
The most important point is that the Age Pension is based on more than your age or income. Your relationship status, assessable income, financial assets, other assets, homeowner status and Centrelink's deeming rules can all affect the result.
Use the calculator above as a starting point, then verify your circumstances with Services Australia before making financial or retirement decisions.
Check Official Age Pension Information