Centrelink Assets Test Calculator
See where your assets sit against the Age Pension assets test in Australia, and whether you’re in the full, part or nil pension range.
Single homeowner assets up to about $314,000 in 2026 attract the full pension (couples ~$470,000 combined).
- ✓Assets within the full-pension free area
How we estimate this
The assets test has a free area (about $314,000 single homeowner, $470,000 couple in 2026) below which you get the full pension. Above it, the pension reduces by $3/fortnight per $1,000 of assets, down to a nil cut-off (~$695,000 single, ~$1,045,000 couple homeowners).
Pricing reviewed: June 2026.
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Understanding centrelink assets tests in Australia
The assets test has a free area (about $314,000 single homeowner, $470,000 couple in 2026) below which you get the full pension. Above it, the pension reduces by $3/fortnight per $1,000 of assets, down to a nil cut-off (~$695,000 single, ~$1,045,000 couple homeowners).
Your home is exempt, but super in pension phase, savings, shares, vehicles and contents count. Non-homeowners have higher thresholds. The assets test runs alongside the income test.
Frequently asked questions
What assets count for the pension?
Most things except your home, savings, shares, super (once you’re of age), investment properties, vehicles and home contents at market value.
What’s the assets cut-off?
Around $695,000 for a single homeowner and $1,045,000 for a homeowner couple in 2026, above which no pension is payable under the assets test.
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