FirstTech
FY25 Pocket Guide
Age Pension calculator

  • Commonwealth Seniors Health Card
    Family situation Annual income limit
    Single $99,025
    Couple (combined) $158,440
    Couple, illness‑separated (combined) $198,050
    For each additional child add $639.60

    Amounts shown are for the period 20 Sep 2024 – 19 Sep 2025.

    1

    Income for CSHC is adjusted taxable income (see table below) plus deeming on non-grandfathered account-based pensions held by a client, or partner, who is age 60 or over.
     

    Indexed 20 September each year.

    Pensioners over Age Pension age who lost entitlement to the pension on 1 January 2017 due to the asset test changes were issued with a non-income tested CSHC. 

    Adjusted Taxable Income (ATI)

    taxable income
    + assessable fringe benefits exceeding $1,000
    + target foreign income
    + total net investment loss
    + tax free Government pensions or benefits
    + Paid Parental Leave income
    + reportable superannuation contributions
    - deductible child maintenance expenditure
    - assessable First Home Super Saver released amounts
  • Low income health care card – new applicants

    To be eligible for a low income health care card, average gross income must be below the applicable limit for the eight-week period prior to lodging a new claim or renewal.

    Status Weekly income Eight‑weekly income

    Single, no children

    $783

    $6,264

    Couple (combined), no children

    $1,339

    $10,712

    Single, one dependant child

    $1,339

    $10,712

    Additional amount for each dependant child

    $34

    $272

    Amounts shown are for the period 20 Sep 2024 – 19 Mar 2025.

  • Low income health care card – existing cardholders

    Once a low income health care card has been issued, average weekly income over any eight-week period must not exceed the applicable limit for any eight-week period (from date of issue of the card to its expiry date).

    Status Weekly income Eight‑weekly income

    Single, no children

    $978.75

    $7,830

    Couple (combined), no children

    $1,673.75

    $13,390

    Single, one dependant child

    $1,673.75

    $13,390

    Additional amount for each dependant child

    $42.50

    $340

    Amounts shown are for the period 20 Sep 2024 – 19 Mar 2025.

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