Centrelink & Family Payments Hub
JobSeeker, Youth Allowance, and Family Tax Benefit — income tests, waiting periods, rates, and how much you can get.
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Articles in this hub · 14
JobSeeker Savings Limit: How Much in the Bank?
There is no single savings cap on JobSeeker — two separate tests apply. Deeming starts reducing your payment at $139,626; the assets test is what ends it.
Are Centrelink Payments Taxable? The Full 2026 Breakdown
Which Centrelink payments are taxable, which are tax-free, the beneficiary tax offset, and why payment plus wages can leave you with a tax bill.
Austudy Income Test Explained (2026): Personal Test, Partner Test, Turning 25
Austudy's $539/fortnight free area, $13,500 income bank and partner test explained — and what actually changes (and doesn't) when a student turns 25.
Commonwealth Seniors Health Card: Eligibility, Income Test and Deeming (2026)
Commonwealth Seniors Health Card eligibility, the adjusted taxable income test with deemed income, and how it differs from the Pensioner Concession Card.
Family Tax Benefit Rates 2026-27: Part A & Part B Explained
The current FTB Part A and Part B maximum and base rates, the $69,131 free area, the $123,078 higher threshold, and how the two income tests taper your payment.
Family Tax Benefit Supplements 2026: The $80,000 Threshold & End-of-Year Top-Up
How the FTB Part A ($970.90/child) and Part B ($478.15/family) supplements work — the $80,000 income cliff, the balancing-time payout, and the immunisation gate.
How Much Can You Earn Before JobSeeker Stops? (2026)
The two-band JobSeeker income test explained — the $150 free area, the 50c and 60c tapers, the ~$1,557.17/fn cut-off, the partner income test, and how Working Credit fits in.
JobSeeker Waiting Periods (2026): How Long Before Your First Payment?
Ordinary, Liquid Assets, Income Maintenance and Newly Arrived Resident's waiting periods explained — how they stack, how long they run, and when a hardship waiver applies.
How to Be Independent for Youth Allowance (2026): All 7 Pathways
The 7 ways to qualify as independent for Youth Allowance — including the earnings pathway — and why it lifts your payment by removing the parental income test.
Student Income Bank Explained (2026): Work More Without Losing Youth Allowance
How the Youth Allowance and Austudy Income Bank lets students bank up to $13,500 of unused free area during quiet study weeks, then draw it down to protect payments during holiday work.
Youth Allowance vs Austudy vs ABSTUDY (2026): Which Should You Claim?
Youth Allowance, Austudy and ABSTUDY overlap but aren't interchangeable — here's the age and eligibility framing that decides which one you claim, and what happens when you turn 25 mid-course.
Family Tax Benefit Income Tests & Supplements (2026-27)
FTB Part A and Part B income tests for 2026-27 — the $69,131 free area, the $124,327 Part B limit, both supplements, and a worked taper example.
Youth Allowance Income & Assets Tests Explained (2026)
How the Youth Allowance personal income test, parental means test, assets test and income bank work in 2026 — and whether the payment is taxable.
Childcare Subsidy and Family Tax Benefit: How They Interact with Your Tax Return
How CCS and FTB are calculated, how they reconcile against your tax return, and the key deadlines and traps to avoid in 2026-27.