Age Pension Calculator (July 2026 Update)

What if only one member of a couple is eligible?

Where only one member of a couple has reached Age Pension age, Centrelink will treat the application based on the assets and income of the couple combined, and pay the eligible Age Pensioner half of the couple’s rate. If only one partner is eligible to apply for the Age Pension, all jointly owned assets, financial investments and income and assets should be included, although special rules apply to superannuation.

If a member of a couple has not yet reached Age Pension age, then his or her superannuation benefits are not counted for Age Pension eligibility UNLESS he or she has started receiving superannuation pension payments. Learn more about how your super affects the Age Pension.

Reminder: If only one partner has reached Age Pension age, and the couple satisfy the Age Pension assets test and income test, the eligible partner will be paid half of the Couple rate, rather than the Single rate.

What if a couple is separated due to illness?

This calculator does not currently cater for couples separated due to illness. Please note though that there are higher asset and income thresholds for couples separated by illness. For more information see the following SuperGuide articles:

• Age Pension: Assets test thresholds
• Age Pension: Income test thresholds