Seniors · Health concession
Commonwealth Seniors Health Card Calculator
Screen your income against the current CSHC limit, including deemed income from account-based income streams.
No assets testDeeming includedCurrent limits
01 —INPUTS
Use combined income for a couple.
Deeming may apply; CSHC has no assets test.
02 —ELIGIBILITY
Income-test resultLikely within limit
Assessed income estimate$85,000
Annual income limit$101,105
Deemed income included$0
Headroom / excess$16,105
This screens the published income test only. Services Australia also checks age, residency and card-specific qualification rules.
What this estimate includes
- Uses current single, couple and illness-separated limits.
- Adds the official amount for each dependent child.
- Screens income only; formal eligibility is broader.
Frequently asked questions
Does the CSHC have an assets test?
No. The card has an income test, but account-based income streams can contribute deemed income.
Is the couple limit combined?
Yes. Enter combined adjusted taxable income and the relevant combined income-stream balance.
Does passing this calculator guarantee the card?
No. Age Pension age, residence and other qualification rules still apply.
Tax Accuracy & Sources
Income-test screening only. Services Australia determines adjusted taxable income, deemed income-stream treatment, residence and age eligibility.