Commonwealth Seniors Health Card Calculator

The Commonwealth Seniors Health Card (CSHC) provides cheaper health care and medicines to older Australians who do not qualify for the Age Pension.

Use this calculator to test your eligibility against the income test. There is no assets test for this card.

Read the full guide to the Commonwealth Seniors Health Card →

Your details

Relationship statusDependent children

Income test components

Enter annual amounts. If you are a couple, enter the combined income for both you and your partner.

Taxable IncomeGross income minus allowable deductions

Target foreign incomeIncome from overseas not taxed in Australia

Total net investment lossesNegative gearing losses (financial & property) added back

Employer provided benefitsReportable fringe benefits in excess of $1,000

Reportable super contributionsSalary sacrifice and personal deductible contributions

Account-based pension balanceTotal balance subject to deeming

Eligibility Result

Likely Eligible

Your assessable income is below the threshold by $101,105.

Adjusted Taxable Income$0

Deemed Income$0

Total Assessable Income$0

Income limit (Single)$101,105

How it works

Age Requirement: You must be of Age Pension age (currently 67).
Income Test: The test assesses your Adjusted Taxable Income (ATI) plus deemed income from account-based pensions.
Deeming: Since 2015, account-based pensions are subject to deeming for the CSHC. The current rates (Jan 2026) are 0.75% on the lower threshold and 2.75% on the excess.
No Assets Test: Unlike the Age Pension, the CSHC does not have an assets test.

This calculator is provided for general information only and is based on rates applicable as of January 2026. It does not constitute financial or legal advice. Eligibility is determined by Services Australia at the time of application.