Enter your details in our CSHC calculator to estimate whether you may be eligible for a Commonwealth Seniors Health Card.
Important: This calculator is only designed to give you an estimate of whether you may be eligible for and should not be relied on as financial advice. Centrelink will assess you on factors that are not included in this calculator.
Note: The CSHC calculator thresholds are based on the currently legislated income thresholds ($90,000 for singles and $144,000 for couples (combined), as at November 4 2022.
Learn more about how the Commonwealth Seniors Health Card is assessed.
How to calculate your adjusted taxable income
Your adjusted taxable income includes a diverse range of income sources in addition to your taxable income, such as any of the following if you receive it:
- foreign income (including tax-exempt foreign income),
- investment losses,
- reportable fringe benefits,
- superannuation contributions, and
- some tax-free pensions.
How to calculate your account-based income streams balance
You should use the balance of your account-based income streams from your most recent statements. You should be able to check the latest balance online or by contacting your financial institutions or funds if you can’t locate your latest paper statements.
The balance of your account-based income streams will be deemed to be earning income of 2.25% for the purposes of the Commonwealth Seniors Health Card income test, regardless of whether they are earning more or less than this amount. The only exceptions are if your total combined balances are less than $56,400 if you’re single, or less than $93,600 for couples.