Current as of 17 Feb 2026. Always verify current year rates.
How do my partner’s assets affect our Age Pension?
Short answer:
For most couples, Age Pension eligibility and payment rates are worked out using your combined assets and income (with each person’s share considered). That means one partner’s savings, super income stream, or financial investments can affect the couple’s outcome. Thresholds and deeming rules can change, so check the current Services Australia assets and income test tables for couples.
Key takeaways
Couples are generally assessed on combined assets and income
One partner’s changes can affect the couple’s payment rate
Deeming can apply to financial assets under the income test
Thresholds are indexed, so outcomes can shift over time
Use Services Australia tables for current cut‑offs
Why this matters
Seeing the ‘couple picture’ helps reduce surprises and supports joint decisions about spending, withdrawals and big one‑off costs.
Mini-plan (3-4 steps)
- List your combined assets and income sources (including super pensions).
- Check the Services Australia tables for couples (assets and income tests).
- Note deeming rules for financial assets and re-check after rate changes.
- If making a big change, consider a Centrelink‑experienced adviser.
Related questions
Sources (so you can verify)
Disclaimer: Information provided is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial planner before making any financial decisions.
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