FirstTech
FY26 Pocket Guide
Age Pension calculator

  • Deeming rates
    Rate Single  
    		 Pensioner couple (combined)1 Non Pensioner couple (each)2

    0.75%

    First $64,200

    ($481.50)

    First $106,200

    ($796.50)

    First $53,100

    ($398.25)

    2.75%

    Excess

    Excess

    Excess

    Rates and thresholds shown are for the period 20 Sep 2025 – 19 Mar 2026. 

    1

    At least one member receives a pension.

    2

    Neither receives a pension. Each member is tested separately on their personal financial investments.
     

    Under the sale proceeds exemption, principal homes sold after 1 January 2023 have proceeds from the sale of the principal home intended for the purchase of a new principal home and invested in a financial investment, deemed at the lower rate of 0.75%.

    Deeming rate thresholds are indexed each 1 July.

  • Financial investments for deeming
    Financial investments for deeming

    Cash

    Term deposits

    Managed investments

    Listed shares and securities

    Bonds

    Debentures

    Unsecured notes

    Bank bills

    Loans made to individuals

    Shares in unlisted public companies

    Gold and other bullion

    Investments in superannuation and rollover funds held by those who are over Age Pension age

    Deprived assets

    Asset tested income streams (short-term) 

    Account based pensions (except those commenced prior to 1 January 2015 and to which grandfathering rules apply).

Contacts
Disclaimer