Commonwealth Seniors Health Card Calculator
Screen your income against the current CSHC limit, including deemed income from account-based income streams.
01 —INPUTS
Use combined income for a couple.
Deeming may apply; CSHC has no assets test.
02 —ELIGIBILITY
Income-test resultLikely within limit
Assessed income estimate$85,000
Annual income limit$105,048
Deemed income included$0
Headroom / excess$20,048
This screens the published income test only. Services Australia also checks age, residency and card-specific qualification rules.
Age Pension toolkit
Continue with the test that answers your next question
Full Age Pension Calculator Combine normal income and assets tests with basic qualification checks. Assets Test Calculator See the full-rate threshold, $3 taper and part-pension cut-off. Income Test & Work Bonus Trace deeming and work income through one fortnight’s personal bank ledger. Pension + Work Income Tax Combine taxable pension and work income with SAPTO and Medicare. Centrelink Debt Repayment Project a fortnightly repayment arrangement and finish date. Rates & Thresholds Reference every current payment, means-test, deeming and Work Bonus figure. Deeming Calculator Calculate the income Centrelink assumes financial assets produce. Gifting & Deprivation Calculator Track gifts against the $10k/year and $30k/5-year free areas. Age Pension by Asset Level See the estimate from $200k to $2M in financial assets, single or couple. Aged Care Fee Calculator The pension counts as income in the residential aged care means assessment.
What this estimate includes
- Uses current single, couple and illness-separated limits.
- Adds the official amount for each dependent child.
- Screens income only; formal eligibility is broader.
Frequently asked questions
Does the CSHC have an assets test?
No. The card has an income test, but account-based income streams can contribute deemed income.
Is the couple limit combined?
Yes. Enter combined adjusted taxable income and the relevant combined income-stream balance.
Does passing this calculator guarantee the card?
No. Age Pension age, residence and other qualification rules still apply.
Tax Accuracy & Sources
Reviewed: 28 July 2026 · Tax year: Current limits reviewed 20 September
Income-test screening only. Services Australia determines adjusted taxable income, deemed income-stream treatment, residence and age eligibility.
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