Calculator
Age Pension Income Test Estimator
Enter your fortnightly income to see your estimated Age Pension under the income test. A single person keeps the full pension up to $212.00 a fortnight of assessable income, then loses 50 cents per dollar, with payment stopping at $2,510.00.
Income test estimate
The Work Bonus is applied to employment income automatically. Income test only.
Estimated result
$1,054.60 per fortnight
Under the income test alone, before the assets test is applied.
- Employment income counted after Work Bonus
- $0.00 per fortnight
- Total assessable income
- $400.00 per fortnight
- Income test free area
- $212.00 per fortnight
- Reduction (50c per dollar over)
- − $94.00
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This is an estimate based on the published rules and rates of Services Australia, correct as at 20 March 2025. Confirm your actual entitlement with Services Australia — your circumstances may include assessments this tool does not model.
Key facts at a glance
- Income free area as at 20 March 2025: $212.00 a fortnight single, $372.00 a fortnight couple combined.
- Taper: 50 cents of pension lost for every dollar over the free area.
- Work Bonus: first $300 a fortnight of employment income excluded.
- Cut-offs: $2,510.00 single, $3,836.40 couple combined, per fortnight.
- Financial assets are assessed by deeming, not by actual interest earned.
- Maximum rates used: $1,148.60 single, $1,731.60 couple combined, per fortnight.
All figures correct as at 20 March 2025, sourced from Services Australia. Next indexation: 20 September 2026.
How the income test estimate is worked out
- Employment income less the $300 Work Bonus exemption.
- Plus other assessable income, including deemed income from financial assets.
- Less the income free area for your situation.
- Halve the remainder — that is the fortnightly reduction.
- Subtract the reduction from the maximum rate.
For the deemed income figure to enter in the second field, use the Deeming Rate Calculator, or let the Combined Pension Estimator do it for you.
| Situation | Full pension up to | Cuts out at | Taper |
|---|---|---|---|
| Single | $212.00 | $2,510.00 | 50c per dollar |
| Couple (combined) | $372.00 | $3,836.40 | 50c per dollar combined |
Read the full rules
Age Pension income test explained covers what counts as income, what is excluded, and how to report earnings each fortnight. Work Bonus explained covers the income bank, which this estimator does not model.
Frequently asked questions
How much income can I have before my Age Pension reduces?
A single person can have $212.00 of assessable income a fortnight and a couple $372.00 combined, as at 20 March 2025. Employment income also gets the $300 Work Bonus on top.
What should I enter as other income?
Deemed income from financial assets, net rent from investment property, foreign pensions, trust and company distributions, and assessable income stream payments. Do not enter actual bank interest or dividends — deeming replaces them.
Is the Work Bonus applied automatically here?
Yes. The estimator removes the first $300 of employment income each fortnight, matching the standard Work Bonus. It does not model your Work Bonus income bank balance.
At what income does the pension stop?
$2,510.00 a fortnight for a single person and $3,836.40 a fortnight combined for a couple, as at 20 March 2025.
Does this include the assets test?
No. This estimator shows the income test result only; Services Australia pays the lower of the income and assets test results.
How is the couple result shown?
As the combined couple payment. Each partner normally receives half of the combined amount.
Researched and fact-checked by
researches Australian retirement and social security policy full time. Not a licensed financial adviser — every figure on this page is sourced from Services Australia or the Social Security Act 1991 (Cth).
Last reviewed: 15 September 2026
Figures as at: 20 March 2025
Next indexation: 20 September 2026
Change log: Reviewed 15 September 2026; free areas, cut-offs and the Work Bonus exemption updated to Services Australia figures correct as at 20 March 2025. Next update at the 20 September 2026 indexation.