{"id":355670,"date":"2026-03-20T06:33:07","date_gmt":"2026-03-20T06:33:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/355670\/"},"modified":"2026-03-20T06:33:07","modified_gmt":"2026-03-20T06:33:07","slug":"what-you-can-own-and-earn-in-retirement-while-still-qualifying-for-the-pension-changes-today","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/355670\/","title":{"rendered":"What you can own and earn in retirement while still qualifying for the pension changes today"},"content":{"rendered":"\n

How much you can own in assets and earn in wages and investment income, while still qualifying for the pension<\/a>, changes today. <\/p>\n

The changes are part of the latest round of indexation adjustments<\/a> to keep payments aligned with inflation<\/a>.<\/p>\n

Here are the essential details. <\/p>\n

\"A<\/p>\n

Image source: Getty Images<\/p>\n

How much can you own in retirement while still getting the pension? <\/p>\n

The value of assets you can own in\u00a0retirement<\/a> while still qualifying for at least a part-pension increase today.<\/p>\n

Assessable assets<\/a>\u00a0include your\u00a0superannuation<\/a>, ASX shares,\u00a0international shares<\/a>,\u00a0bonds<\/a>,\u00a0managed funds<\/a>,\u00a0rental properties<\/a>, and cash.<\/p>\n

Excluding your home, singles can now own $722,000 in assets, up from $714,500, and still be eligible for at least a part-payment.<\/p>\n

The limit for a full pension remains $321,500. <\/p>\n

Single non-homeowners are now allowed to own $980,000 in assets, up from $972,500, and still be eligible for a part-pension.<\/p>\n

The limit for a full pension is $579,500. <\/p>\n

Couple homeowners can now own $1,085,000 worth of assets, up from $1,074,000, and still be eligible for a part-pension.<\/p>\n

The limit for a full pension remains $481,500. <\/p>\n

Couple non-homeowners can own $1,343,000 in assets, up from $1,332,000, and still be eligible for a part-payment.<\/p>\n

The limit for a full pension is $739,500. <\/p>\n

How much can you earn? <\/p>\n

From today, singles can earn up to $2,619.80 per fortnight, up from $2,575.40 per fortnight, and still qualify for at least a part-pension.<\/p>\n

Couples can earn up to $4,000.80 per fortnight, up from $3,934 per fortnight, and still get a pension benefit. <\/p>\n

In order to receive the full pension, singles cannot earn more than $218 per fortnight, and couples can’t earn more than $380 per fortnight. <\/p>\n

Part of your assessable earnings is investment income. <\/p>\n

From today, the Federal Government will also implement a second increase to pensioner\u00a0deeming<\/a>\u00a0rates.<\/p>\n

Deeming is used to estimate a pensioner’s annual investment income.<\/p>\n

Deeming applies to all assets except\u00a0investment properties<\/a>\u00a0(pensioners must report their actual rental income each year).<\/p>\n

The lower deeming rate changes today from 0.75% to 1.25% for assets worth less than $64,200 for singles and $106,200 for couples.<\/p>\n

The upper deeming rate lifts from 2.75% to 3.25% for assets worth more than these amounts.<\/p>\n

How much is the pension? <\/p>\n

Singles on the full age pension will receive an extra $22.20\u00a0per fortnight from today. <\/p>\n

Couples will receive an extra $16.70 per person, per fortnight.<\/p>\n

This means the full pension payment, with both supplements included, lifts to $1,200.90 per fortnight for singles.<\/p>\n

Couples will receive $905.20 per partner, per fortnight.<\/p>\n

How much does retirement cost per year? <\/p>\n

According to Australia’s benchmark\u00a0Retirement Standard<\/a>,\u00a0a modest retirement costs $35,503 per year for single homeowners and $51,299 for couple homeowners. <\/p>\n

A comfortable retirement costs $54,840 per year for single homeowners and $77,375 per year for couple homeowners. <\/p>\n

Retirement costs more for renters because their housing costs are higher. <\/p>\n

A modest retirement costs $50,055 per year for single renters and $67,639 per year for couples who rent their homes. <\/p>\n","protected":false},"excerpt":{"rendered":"How much you can own in assets and earn in wages and investment income, while still qualifying for…\n","protected":false},"author":2,"featured_media":355671,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[72,3472,176,61,60,174,175],"class_list":["post-355670","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-editors-choice","tag-finance","tag-ie","tag-ireland","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/355670","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=355670"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/355670\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/355671"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=355670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=355670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=355670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}