Current as of 17 Feb 2026. Always verify current year rates.
How does super affect my Age Pension?
Short answer:
Your Age Pension rate is based on the assets and income tests. How super is assessed depends on your age and whether it’s in accumulation or paying you an income stream. Deeming can apply to some financial assets, and thresholds change over time. Use the current Services Australia pages and calculators to check your situation.
Key takeaways
Age Pension uses both the assets test and income test
Super treatment can differ before vs after Age Pension age
Income streams and financial assets can be assessed differently
Thresholds and deeming rates change, don’t rely on old figures
Check Services Australia for current rules and reporting
Why this matters
Age Pension interaction can change the trade‑offs between drawing from super now versus later. Knowing the rules helps you avoid accidental outcomes and supports steadier spending choices.
Mini-plan (3-4 steps)
- Check the Services Australia pages for how super is assessed for your age.
- Review both the assets test and income test rules (they work together).
- If you have an income stream, confirm how it’s assessed and what you must report.
- Re-check after indexation dates or major changes (new pension, big withdrawal).
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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