Age Pension assets test calculator guide
Understand what the assets test looks at before you estimate Age Pension pressure.
What the assets test is
The assets test looks at assessable assets such as super, investments, bank accounts, vehicles, contents and some other financial assets. Your home is treated differently if you are a homeowner.
Why homeowner status matters
Homeowners and non-homeowners have different thresholds. That can materially change whether the assets test reduces an Age Pension estimate.
Couples need household context
For couples, the test is usually about the household position, not just one person in isolation. RetireAI is built around household modelling for this reason.
What to prepare
Collect current super balances, bank savings, investments, vehicles, personal assets and any large non-super assets before using a calculator or report.
How RetireAI helps
RetireAI turns spending, super, retirement timing and Age Pension assumptions into a plain-English educational report. It is designed to help you get organised before checking official rules or speaking with a qualified adviser.
Common questions
Does my home count in the assets test?
The principal home is treated differently from other assets, but homeowner status affects the thresholds used.
Can super count before pension age?
Super treatment can depend on age and whether a person has reached Age Pension age, especially for couples.