Age Pension Eligibility Calculator
Check your likely eligibility for the Age Pension and estimate your fortnightly payment based on the assets test.
Your Details
Your Estimate
Eligibility
Not Yet Eligible (Age)
single rate, assets test only (income test not included)
Educational estimate using the assets test only (single homeowner/non-homeowner thresholds, 2026). The income test and couple rates may further reduce your actual payment. Apply through Services Australia (Centrelink) for your real entitlement.
Age, Residency, and Means-Testing All Matter
Unlike a universal state pension, the Age Pension combines an age and residency requirement with an ongoing means test — so building up superannuation or other assets can reduce or eliminate your Age Pension even once you're old enough to qualify.
Frequently Asked Questions
- What's the Age Pension eligibility age?
- 67, for everyone born on or after 1 January 1957. You also need at least 10 years of Australian residency, with at least 5 of those years continuous.
- Does owning my home affect the Age Pension assets test?
- Yes — your principal home isn't counted as an asset, but homeowners have a lower asset threshold than non-homeowners for the rest of their assets, since non-homeowners are assumed to need more savings to cover housing costs.