Centrelink · Student payment
Austudy Calculator Australia
Estimate your fortnightly Austudy after the personal income test and Student Income Bank.
1 Jan 2026 ratesIncome BankFortnightly estimate
01 —INPUTS
New Austudy claimants are generally 25 or older.
Gross employment income before tax.
Student Income Bank is capped at $13,500.
02 —RESULTS
Estimated Austudy$684.2 / fortnight
Annual equivalent$17,789.2
Income-test reduction$0 / fortnight
Income Bank used$161
What this estimate includes
- Current base rates and Energy Supplement come from central Centrelink config.
- Income Bank is applied before the personal income taper.
- The result is an estimate, not an eligibility determination.
Frequently asked questions
How old do you need to be for Austudy?
Austudy is generally for full-time students and Australian Apprentices aged 25 or older. Younger students usually check Youth Allowance.
How does the Austudy income test work?
The personal income free area is applied each fortnight. Income Bank credits can offset employment income above the free area before the 50% and 60% taper bands reduce payment.
Is this an official Centrelink decision?
No. Services Australia also checks study load, course, residence, partner income, assets and other eligibility rules.
Tax Accuracy & Sources
Personal-income estimate only. Partner income, assets, study, course, residence and waiting-period rules require a Services Australia assessment.