The Finance Algorithm
§ Tool · tier 2 · independent

Age Pension Deeming Impact Estimator.

Model how deeming rate changes (2025–26) affect Age Pension via income test; compare scenarios, single vs couple, asset thresholds.

Live dataFree, no signupOn-deviceLiveupd March 2026
Inputs
Your numbers

Select if you are modeling as a single or couple.

$
$250k

Sum of all financial/investment assets subject to deeming (e.g. savings, shares, super pensions).

$
$0

Other income (employment, rental, etc) not included in financial assets.

Math updates live as you change inputs · AI runs on submit

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Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

The Age Pension Deeming Impact Estimator helps Australian retirees model how investment deeming rates and changing income thresholds affect their Age Pension eligibility and payment amount. Updated for the 2025–26 changes, this tool shows the income test effect for singles and couples, using latest rates and scenarios.

§ Worked examples

Real-world scenarios

Single Retiree with $80,000 in Assets

Sue is a single retiree with $80,000 in term deposits and shares. The 2025–26 deeming rate is 1.25% on the first $64,200 and 3.25% on the remainder.

Inputs

scenarioType:SinglefinancialAssets:80,000year:2025–26

Sue's deemed income will be calculated using each rate tier and used to assess age pension eligibility.

Couple with $120,000 in Super & Savings

A couple has $120,000 in combined super and savings. The first $106,800 is deemed at 1.25%, the remainder at 3.25%.

Inputs

scenarioType:CouplefinancialAssets:120,000year:2025–26

Deemed income may affect payment under the income test for the couple.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Deeming Rate
A government set rate applied to financial assets to estimate income for the pension income test.
Age Pension
A means-tested payment for eligible older Australians, subject to income and asset tests.
Income Test
A test by Centrelink/Services Australia that measures assessable income for Age Pension purposes.
Financial Assets
Investments such as bank accounts, shares, managed funds, and account-based pensions.