Age Pension Indexation Estimator.
Estimates age pension adjustments due to indexation and deeming rate changes for 2026. Helps retirees understand pension impacts.
Move the sliders or type your numbers in — the math updates live as you go. Click Get AI verdict when you want a written analysis.
The 2026 Age Pension Indexation Estimator helps Australians planning for retirement or already receiving the Age Pension to understand how annual indexation and deeming rate changes may impact their payments. Designed for simplicity, it uses your actual assets, income, and basic situation to show what your new Centrelink benefits could look like post-indexation, so you can plan ahead or check entitlement changes.
Real-world scenarios
Single retiree, homeowner
A 67-year-old single, owns their home, $400,000 in assets, $10,000 annual income, current pension $852/fortnight, new deeming rate 3.5%.
Inputs
Deemed income at 3.5% adds $14,000/yr on top of $10,000 other income, so the income test (not the asset test) sets the payment. After the 20 Sep 2026 indexation lifted the single maximum to $1,237.70/fortnight, the estimate is $889/fortnight ($23,118/yr) - a rise of about $37/fortnight.
Couple (non-homeowners) with moderate assets
A couple, both age 70, not homeowners, $600,000 in assets, $28,000 annual income, current combined pension $985/fortnight, deeming rate 4.2%.
Inputs
Assets of $600,000 sit under the $766,000 non-homeowner couple threshold, so the income test binds: deemed income (4.2%) plus other income far exceeds the combined free area. Estimated payment is $1,041/fortnight ($27,064/yr) - a rise of about $56/fortnight after the 20 Sep 2026 indexation.