Australia Age Pension Calculator
Estimate your fortnightly Age Pension under the 2026-27 income and assets tests, for singles and couples, homeowners and non-homeowners.
What is this tool?
The Age Pension is means-tested through two tests โ an income test and an assets test. The test that gives the lower payment applies (the more restrictive one binds); your home is excluded from the assets test. This tool estimates the fortnightly rate for 2026-27 using the standard scales.How it works
Choose your situation, enter your fortnightly income and total assets, then press Calculate.Age Pension rates at a glance
| Item | Single | Couple (combined) |
|---|---|---|
| Maximum fortnightly rate | $1,237.70 | $1,866.00 |
| Income free area (then 50c/$1) | $226 | $396 |
| Assets free area โ homeowner | $333,000 | $499,000 |
| Assets free area โ non-homeowner | $600,000 | $766,000 |
| Assets taper over the free area | $3 / $1,000 | $3 / $1,000 |
Your principal home is excluded from the assets test, and the lower of the income-test and assets-test payments applies. Maximum rates are indexed each 20 March and 20 September; the income and assets free areas are indexed on 1 July.
What this estimate excludes
This is a guide only. It does not model Rent Assistance, the Work Bonus, transitional taper rules, gifting and deprivation rules, or the full deeming rules on financial assets, and it assumes you meet the age, residency and other qualification rules. Services Australia makes the formal assessment.
How to use
- Choose living situation and home ownership.
- Enter fortnightly income and total assets.
- Press Calculate.
Frequently Asked Questions
Which test applies?
Both tests are run and the lower payment applies. If your income is modest but your assets are high, the assets test usually binds โ and vice versa.
Is my home counted?
No. Your principal home is excluded from the assets test. Non-homeowners get higher assets limits because they do not have that exempt asset.
What is not included here?
This estimate excludes Rent Assistance, the Work Bonus, taper transitional rules, and the detail of deeming on financial assets. It is a guide only โ Services Australia makes the formal assessment.
This tool is for informational purposes only and does not constitute financial advice. Consult a qualified financial professional for advice specific to your situation.
Tips & Advice
Income entered should be your assessed fortnightly income (including deemed income on investments). The assets test excludes your home but includes super, savings, investments, vehicles and property you own.Related Tools
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Sources & References
Last reviewed: September 2026.
- Services Australia – Age Pension.
- Services Australia – How much Age Pension you can get.
Limitations
Uses the income and assets tests in force at 20 September 2026, with single and partnered rates and the homeowner / non-homeowner asset free areas. It does not model the Work Bonus, rent assistance, the Pensioner Concession Card, deeming of financial assets, or gifting within the last five years. It is an estimate, not a decision on eligibility โ Services Australia assesses each claim.