Check Impact of UK State Pension
on Australian Age Pension

What’s Your Marital Status?

Are You a Homeowner?

How Old Are You?

How Many Years Did You Work in the UK?

For the following 3 Qs, give approx figures (use combined figure if Couple):

Super and other Savings expected at age 67

Other Assessable Assets (don’t include Family Home)

Other Income per Fortnight expected from 67 (e.g., work)

Client Input Data

Submit the form to see inputs.

Detailed Calculations

Submit the form to see detailed calcs.

Fixed Reference Values

Item	Value
Assumed UK State Pension Age	67
Annual UK State Pension per NI Year	A$750
Class 2 NI Cost per Year	A$400
Class 3 NI Cost per Year	A$2,000
Max Single Age Pension Annual	A$30,646
Max Couple Age Pension Annual	A$46,202
Income-Test Free Area Single Annual	A$5,668
Income-Test Free Area Couple Annual	A$9,880

Item	Value
Income Test Reduction Rate	50%
Assets-Test Taper Rate Annual per A$1,000	A$78
Single Homeowner Full Pension	A$321,500
Single Non-Homeowner Full Pension	A$579,500
Couple Homeowner Full Pension	A$481,500
Couple Non-Homeowner Full Pension	A$739,500
Lower Deeming Rate	0.75%
Higher Deeming Rate	2.75%
Single Deeming Threshold	A$64,200
Couple Deeming Threshold	A$106,200

Important Notes / Disclaimer

For education only. XtraPension Ltd is not a financial advisor.
Consult Services Australia or a financial advisor for a full assessment if in doubt.
Figures are estimates; actual outcomes may vary.
We use a standard UK State Pension age of 67. Your UK State Pension age may vary from 65-68 depending on your age.
Age Pension assumes your expected situation at 67; rates as of Mar/Jul 2025 (Services Australia).
Australian Age Pension figures use simplified Income and Assets Tests (incl. deeming).
Class 2 NI cost shown is default per eligible year.
The UK State Pension is frozen for Australian residents from UK State Pension age.
Class 2/3 NI rates and eligibility can change (HMRC).
UK State Pension requires 10+ qualifying years, most of which can be bought.
Home value shown for context; generally exempt unless your land is over 2 hectares.
We assume you left the UK before 2019.
Where we say A$26,250 is a full UK State Pension, the actual value is STG £11,973 as of April 2025.
Where we say ‘Class 2’ years cost A$400, the actual cost is STG £179.
Where we say ‘Class 3’ years cost A$2,000, the actual cost is STG £907.
We use rounded A$ approximations to explain the maths more simply.