Age Pension Calculator Australia 2025 | Centrelink Eligibility | IntuitiveCalc
Estimate your Age Pension entitlement based on the 20 March 2026 rates and thresholds. Check how the income and assets tests affect your pension payments.
Your Situation
Your home is not counted as an asset
Fortnightly Income
$300/fortnight Work Bonus applies
Assets
Estimated Age Pension
$1,140.97
per fortnight
$29,665/year
97% of maximum pension
Pension Test Comparison
Red bar indicates the limiting test
Means Tests
Income Test
PassingAssets Test
LimitingSeptember 2025 Rates
Maximum pension (single): $1,178.70/fortnight
Maximum pension (couple): $1,777.00/fortnight
Includes pension supplement and energy supplement
Note: This is an estimate only. Centrelink will assess your actual eligibility based on many factors. Use the official Services Australia calculator or contact Centrelink for accurate assessment.
Age Pension Eligibility
To qualify for the Age Pension in Australia, you must meet these requirements:
- ✓ Age: 67 years or older
- ✓ Residency: Australian resident for at least 10 years, with 5 consecutive years
- ✓ Income Test: Below the income test thresholds
- ✓ Assets Test: Below the assets test thresholds
Age Pension Rates (20 March 2026 indexation)
Rates increased $22.20/fn for singles and $33.40/fn combined for couples at the March 2026 indexation. Next indexation: 20 September 2026.
Single
Couple (combined)
Assets Test Thresholds
| Situation | Full Pension | Part Pension Cutoff |
|---|---|---|
| Homeowner - Single | $321,500 | $714,500 |
| Homeowner - Couple | $481,500 | $1,074,000 |
| Non-homeowner - Single | $579,500 | $972,500 |
| Non-homeowner - Couple | $739,500 | $1,332,000 |
Note: Your principal home is NOT included in the assets test, regardless of its value. Assets include super, savings, investments, vehicles, and investment properties.
Income Test
Single
Income free area: $218/fortnight
Pension reduces by 50c for every $1 over this amount
Couple (combined)
Income free area: $380/fortnight
Pension reduces by 50c for every $1 over this amount
Work Bonus
Pensioners can earn up to $300 per fortnight from employment without it counting towards the income test. This is in addition to the income free area.
Unused amounts accumulate in a Work Bonus balance (up to $11,800) that can offset future work income.
Related Articles
Age Pension Eligibility Guide 2025
Understand Age Pension rates, income and assets tests, and Centrelink eligibility requirements.
Centrelink Work Bonus 2025
Learn how to earn up to $300 per fortnight without affecting your pension.
Retirement Planning: Superannuation Strategies
Smart super strategies to boost your retirement savings and reduce Age Pension dependency.
Superannuation Changes 2025-26
Major super changes from July 2025 and their impact on your retirement savings.