Australia · Planning tools

Age Pension Income and Assets Test Estimator

Explore how the Age Pension income and assets tests could affect a supported claim. Enter your household circumstances to see each test separately and identify which one limits the estimate.

Your details

Your scenario

Snapshot 20 September–22 October 2026. Single or both-eligible couple living together; household totals and per-person amounts labelled. Normal domestic basic rate plus published maximum Pension Supplement and Energy Supplement shown explicitly. No Rent Assistance, transitional rates, overseas, mixed-eligibility couples or special financial products. Near-cutoff supplement cases are blocked for separate review. Asset reductions use $250 per-person steps. This is a planning illustration, not an entitlement decision.

Assessment date Age 67+, residence and domestic normal-rate eligibility confirmed Household basis Homeowner status Combined assessable financial assets (AUD) Other assessable assets excluding principal home (AUD) Excluded principal home value (disclosed only) (AUD) Other assessable income per fortnight (AUD) Your eligible employment income per fortnight (AUD) Your verified opening Work Bonus bank (AUD) Partner eligible employment income per fortnight (AUD) Partner verified opening Work Bonus bank (AUD) No overseas, transitional, blind, special-product, gifting or unreconciled assets; no duplicate interest Work Bonus eligibility and opening bank verified (required when used)

Entries stay in this browser. Examples use illustrative confirmations; replace them with your own checked details.

How to use this tool

Confirm the supported age and residency conditions.
Enter assessable assets, income and partner details.
Review both tests, deemed income and the listed exclusions.

How the result is calculated

The means tests are calculated separately. The supported pension estimate follows the test that produces the lower entitlement, with eligible supplements handled explicitly.

Worked example

If an illustrative income test permits $800 per fortnight and the assets test permits $650, the lower $650 amount controls the base estimate.

What this result does not cover

Services Australia determines entitlement. Overseas, transitional and complex financial-product cases are outside the initial scope.

Questions people ask

Is every asset assessed the same way?

No. The asset category and relevant exclusions matter.

Do you add bank interest to deemed income?

Not for the same financial asset in the supported deeming calculation.

Is the result for one person or a couple?

The result labels that basis; do not compare amounts with different household units.

Supported scope and official sources

Source snapshot: 22 October 2026. Independent specialist review is pending. Calculations do not confirm eligibility or replace official decisions.

Privacy · Corrections