Age Pension calculator
Age Pension calculator Australia guide.
An Age Pension calculator should do more than show one payment number. The useful result explains assets test pressure, income test pressure, deeming, homeowner status, couple status and whether the estimate needs an official check.
Calculator intent
What a useful Age Pension calculator should show.
The Age Pension is usually tested under both the assets test and the income test. A calculator should show the household type, home status, source date, thresholds, deemed income and the test that produces the lower estimate.
RetireAI is educational planning support. Services Australia remains the official source for claims, evidence and final decisions.
Core calculator checks.
Assets test
Checks assessable assets against the correct single, couple, homeowner or non-homeowner threshold.
Income test
Checks deemed income, work income, passive income and other assessable income against the income free area.
Deeming
Financial assets can create deemed income, even if actual returns are different.
Worked path
Why calculator results can differ.
- Homeowner and non-homeowner thresholds are different.
- Financial assets can affect both the assets test and the income test.
- Mixed-age couples can need special handling for younger-partner super.
- Work Bonus treatment can change employment income counted under the income test.
- Old rates and thresholds can make a result look precise but wrong.
Use the right guide for the issue.
Non-homeowner
Mixed-age couple
Asset types
Sample report
Turn the pension estimate into a full retirement pictureStart retirement flowSee the report preview