Age Pension · Assets test

Age Pension Assets Test Calculator

See exactly where your assessable assets sit between the full-rate threshold and the normal part-pension cut-off.

1 July 2026 thresholds$3 per $1,000 taperSingle + couple

01 —INPUTS

Relationship status

Couples enter combined assessable assets. The result assumes both partners receive Age Pension.

Homeowner status

Your principal home is generally excluded, but homeowner status changes the threshold.

Total assessable assets

Include financial assets, investment property, vehicles and contents at assessable values. Enter 0 if none.

Assets-test boundary

This isolates the normal assets test. Services Australia also applies the income test and pays the lower result.

02 —RESULTS

Awaiting input

Choose your household and homeowner status, then enter assessable assets

Continue the Age Pension means test

Income Test & Work Bonus Model this fortnight’s work income, deeming and Work Bonus bank. Full Age Pension Calculator Run income and assets tests together with basic eligibility. Rates & Thresholds See all current pension, income, asset, deeming and Work Bonus figures.

What this estimate includes

Uses the normal 1 July 2026 full-rate thresholds and part-pension cut-offs.
Separates single and combined couple tests, plus homeowner and non-homeowner limits.
Shows the distance to the next threshold and the estimated fortnightly reduction.
Does not count the principal home in the entered assessable-asset total.

Frequently asked questions

What is the Age Pension assets test threshold in 2026?

From 1 July 2026, the normal full-rate threshold is $333,000 for a single homeowner and $499,000 combined for a homeowner couple. Non-homeowners have higher thresholds.

How much does Age Pension reduce under the assets test?

The normal pension reduces by $3 per fortnight for every $1,000 of assessable assets above the applicable full-rate threshold. For a couple, this is the combined reduction across both payments.

What is the Age Pension assets cut-off in 2026?

From 1 July 2026, the normal cut-off is $733,500 for a single homeowner and $1,102,500 combined for a homeowner couple. Higher cut-offs apply to non-homeowners and illness-separated couples.

Does my home count in the Age Pension assets test?

Your principal home is generally exempt, but being a homeowner changes the assets threshold. Other real estate, vehicles, contents, financial investments and accessible superannuation may count.

Is the assets-test result my final Age Pension?

No. Services Australia also calculates the income-test result and generally pays whichever amount is lower, subject to age, residence and other qualification rules.

Tax Accuracy & Sources

Reviewed: 28 July 2026 · Tax year: Rates current at 1 July 2026

Normal Age Pension assets-test estimate for a single person or a couple where both partners receive Age Pension. It excludes the income test, transitional rates, illness-separated rates, Rent Assistance, hardship provisions, special income-stream treatment and formal asset classification.