Understand your Age Pension Know your options.
General financial advice for Australians approaching or already on the Age Pension. We walk you through the assets test, income test and Centrelink rules so you understand where you stand. What you do next is up to you.
Three steps to clarity on your Age Pension.
Take the quiz
Answer a few quick questions about your situation. You’ll get general information about where you sit against the Age Pension assets and income tests. No personal advice is given at this stage.
Free strategy call
A no-obligation conversation with our team to understand your situation, your Centrelink position, and what you’re trying to work out. If we’re a good fit, we’ll explain what personal advice would involve, including our fees.
Your Age Pension plan
If you engage us for personal advice, we’ll review your assets, income, and structural options against the current Centrelink rules. We prepare a written Statement of Advice and walk you through our recommendations. You decide whether to act on them.
Age Pension questions, answered clearly.
These answers provide general information only. They don’t take into account your individual situation. For that, we’d need to provide personal advice.
What is the maximum Age Pension for Centrelink?
The maximum fortnightly Centrelink Age Pension rate is $1,200.90 for singles and $1,810.40 combined for couples. These full payment amounts include the basic rate, the maximum pension supplement, and the energy supplement.
Who is eligible for the Age Pension in Australia?
To qualify for the Australian Age Pension, you must be at least 67 years old, meet specific Australian residency requirements, and pass the government’s means tests.
How much is the full Centrelink Age Pension in Australia?
The maximum full Age Pension in Australia is $1,200.90 per fortnight for singles and $1,810.40 per fortnight combined for couples. These totals include the maximum basic rate, the Pension Supplement, and the Energy Supplement.
How much can I earn in Australia before I lose my pension?
There’s no separate “bank balance” limit for the Age Pension. Money in the bank is one of many assessable assets that count towards your total under the assets test, alongside super (once you reach Age Pension age), shares, investment properties, vehicles, and contents. As at 20 March 2026, a single homeowner can have up to $321,500 in total assessable assets and still receive the full Age Pension. The part pension cuts out completely at $722,000. For a homeowner couple, the figures are $481,500 (full pension) and $1,085,000 combined (part pension cut-off). Non-homeowners have higher thresholds. Bank money also triggers the income test through deeming rules, so a large balance can affect your payment under both tests at once. Figures are set by Services Australia and updated each March, July and September.
What about catch-up concessional contributions?
To receive the maximum Age Pension in Australia, you can earn up to $218 per fortnight as a single person or $380 per fortnight combined as a couple. Once your income exceeds these limits, your pension reduces by 50 cents for every dollar over the limit for singles, and 25 cents per dollar each for couples.
Let's review your Age Pension position.
Book a free 15-minute call. It’s a conversation about your situation. No personal advice is given on the call, and there’s no obligation to proceed.