Centrelink Income Test Calculator
See where your income sits against the Age Pension income test in Australia, and how it affects your pension.
Your income is above the free area but below the cut-off, so your pension is reduced by 50 cents for every dollar over the free area. The assets test is applied separately, the lower result wins.
- ✕Income within the free area for a full pension
How we estimate this
The income test sets an income-free area (about $212/fortnight single, $372 couple combined in 2026). Above that, your pension reduces by 50c per dollar of extra income. Most financial assets are also ‘deemed’ to earn a set rate regardless of actual returns.
Pricing reviewed: June 2026.
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Understanding centrelink income tests in Australia
The income test sets an income-free area (about $212/fortnight single, $372 couple combined in 2026). Above that, your pension reduces by 50c per dollar of extra income. Most financial assets are also ‘deemed’ to earn a set rate regardless of actual returns.
The Work Bonus lets pensioners earn some employment income before it counts. The income test runs alongside the assets test, you’re paid under whichever gives the lower pension.
Frequently asked questions
What is the income-free area?
About $212/fortnight for singles and $372 combined for couples in 2026, income below this doesn’t reduce your pension.
How much does income reduce the pension?
By 50 cents for every dollar of income above the free area (single), or combined for couples.
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