{
  "api_version": "2.0",
  "url": "https://retirementwealth.com.au/api/v2/categories.json",
  "schema": "https://retirementwealth.com.au/api/v2/schema/api.json#/$defs/category_list",
  "docs": "https://retirementwealth.com.au/data/",
  "publisher": "retirementwealth.com.au",
  "scope": "Retirement Wealth provides selected factual information about Australian retirement rules and rates. It does not provide personal or general financial product advice or recommend financial products. Summaries may not cover every condition or exception. Check the linked official sources and obtain advice appropriate to your circumstances before making financial decisions.",
  "data_release": 13,
  "data_hash": "sha256:5cd8d3ea139b316bb66e85a870ba35217f7677f996766ffa90cfa1d0f06e1274",
  "data_updated": "2026-10-13T09:58:55Z",
  "count": 14,
  "categories": [
    {
      "id": "age_pension",
      "label": "Age Pension",
      "description": "Selected Age Pension figures: maximum payment rates, supplements, the qualifying age, assets test limits and the funeral bond allowable limit.",
      "count": 19,
      "figures": [
        "age_pension_age",
        "age_pension_max_single",
        "age_pension_max_couple_combined",
        "assets_test_full_pension_single_homeowner",
        "assets_test_cutoff_single_homeowner",
        "assets_test_cutoff_couple_combined_homeowner",
        "assets_test_taper",
        "age_pension_basic_rate_single",
        "age_pension_basic_rate_couple_each",
        "pension_supplement_max_single",
        "pension_supplement_max_couple_each",
        "energy_supplement_single",
        "energy_supplement_couple_each",
        "assets_test_full_pension_single_non_homeowner",
        "assets_test_full_pension_couple_combined_homeowner",
        "assets_test_full_pension_couple_combined_non_homeowner",
        "assets_test_cutoff_single_non_homeowner",
        "assets_test_cutoff_couple_combined_non_homeowner",
        "funeral_bond_allowable_limit"
      ],
      "page": "https://retirementwealth.com.au/rules/age-pension/"
    },
    {
      "id": "pension_income_test",
      "label": "Age Pension income test",
      "description": "Selected income test figures for the Age Pension: free areas, taper rates, cut-off points and the Work Bonus.",
      "count": 8,
      "figures": [
        "income_test_free_area_single",
        "income_test_free_area_couple_combined",
        "income_test_taper_single",
        "income_test_taper_couple_each",
        "income_test_cutoff_single",
        "income_test_cutoff_couple_combined",
        "work_bonus_fortnightly",
        "work_bonus_balance_max"
      ],
      "page": "https://retirementwealth.com.au/rules/pension-income-test/"
    },
    {
      "id": "concession_cards",
      "label": "Concession cards",
      "description": "Selected income limits for the Commonwealth Seniors Health Card.",
      "count": 3,
      "figures": [
        "cshc_income_limit_single",
        "cshc_income_limit_couple_combined",
        "cshc_income_limit_couple_separated_combined"
      ],
      "page": "https://retirementwealth.com.au/rules/concession-cards/"
    },
    {
      "id": "deeming",
      "label": "Deeming",
      "description": "Deeming rates and selected thresholds that Services Australia uses to work out deemed income from financial assets.",
      "count": 4,
      "figures": [
        "deeming_rate_lower",
        "deeming_rate_upper",
        "deeming_threshold_single",
        "deeming_threshold_couple_combined"
      ],
      "page": "https://retirementwealth.com.au/rules/deeming/"
    },
    {
      "id": "super",
      "label": "Super basics",
      "description": "Selected superannuation settings set by law.",
      "count": 10,
      "figures": [
        "sg_rate",
        "preservation_age",
        "payday_super_due_days",
        "contributions_all_types_age_limit",
        "voluntary_contributions_period_after_age_limit",
        "work_test_age_from",
        "work_test_hours",
        "work_test_period_days",
        "work_test_exemption_balance_limit",
        "sg_max_contribution_base"
      ],
      "page": "https://retirementwealth.com.au/rules/super/"
    },
    {
      "id": "super_caps",
      "label": "Super caps",
      "description": "Selected limits on contributions to super and on the amount that can move into retirement phase.",
      "count": 14,
      "figures": [
        "concessional_cap",
        "non_concessional_cap",
        "ncc_bring_forward_max",
        "transfer_balance_cap_general",
        "carry_forward_balance_limit",
        "carry_forward_years",
        "cgt_cap",
        "bring_forward_balance_limit_3_years",
        "bring_forward_balance_limit_2_years",
        "ncc_bring_forward_2_years",
        "bring_forward_age_limit",
        "transfer_balance_cap_indexation_step",
        "defined_benefit_income_cap",
        "concessional_cap_indexation_step"
      ],
      "page": "https://retirementwealth.com.au/rules/super-caps/"
    },
    {
      "id": "super_access",
      "label": "Super pensions and lump sums",
      "description": "Selected rules for taking money out of super: minimum pension payments, the transition to retirement payment limit and lump sum tax caps.",
      "count": 10,
      "figures": [
        "min_pension_payment_under_65",
        "min_pension_payment_65_74",
        "min_pension_payment_75_79",
        "min_pension_payment_80_84",
        "min_pension_payment_85_89",
        "min_pension_payment_90_94",
        "min_pension_payment_95_plus",
        "tris_max_payment",
        "low_rate_cap",
        "untaxed_plan_cap"
      ],
      "page": "https://retirementwealth.com.au/rules/super-access/"
    },
    {
      "id": "gov_contributions",
      "label": "Government contributions and tax offsets",
      "description": "Selected figures for the super co-contribution, the low income super tax offset and the tax offset for spouse contributions.",
      "count": 13,
      "figures": [
        "listo_max",
        "listo_income_threshold",
        "listo_rate",
        "listo_min",
        "co_contribution_max",
        "co_contribution_lower_threshold",
        "co_contribution_higher_threshold",
        "co_contribution_matching_rate",
        "spouse_offset_max",
        "spouse_offset_rate",
        "spouse_offset_max_contribution",
        "spouse_offset_income_lower",
        "spouse_offset_income_upper"
      ],
      "page": "https://retirementwealth.com.au/rules/gov-contributions/"
    },
    {
      "id": "div293",
      "label": "Division 293 tax",
      "description": "The income threshold and rate for Division 293 tax on super contributions.",
      "count": 2,
      "figures": [
        "div293_threshold",
        "div293_rate"
      ],
      "page": "https://retirementwealth.com.au/rules/div293/"
    },
    {
      "id": "div296",
      "label": "Division 296 tax",
      "description": "Thresholds and rates for the additional tax on earnings for large super balances.",
      "count": 7,
      "figures": [
        "div296_threshold_lower",
        "div296_rate_lower",
        "div296_threshold_upper",
        "div296_rate_upper",
        "div296_indexation_step_lower",
        "div296_indexation_step_upper",
        "div296_first_indexation_year"
      ],
      "page": "https://retirementwealth.com.au/rules/div296/"
    },
    {
      "id": "downsizer",
      "label": "Downsizer contributions",
      "description": "Selected rules for contributing the proceeds of a home sale to super.",
      "count": 2,
      "figures": [
        "downsizer_min_age",
        "downsizer_max"
      ],
      "page": "https://retirementwealth.com.au/rules/downsizer/"
    },
    {
      "id": "fhss",
      "label": "First home super saver scheme",
      "description": "Selected limits on the voluntary super contributions that can be released under the scheme.",
      "count": 3,
      "figures": [
        "fhss_annual_limit",
        "fhss_total_limit",
        "fhss_concessional_share"
      ],
      "page": "https://retirementwealth.com.au/rules/fhss/"
    },
    {
      "id": "aged_care",
      "label": "Aged care",
      "description": "Selected contribution rates, fees, caps, means assessment thresholds and interest rates for Support at Home and aged care homes.",
      "count": 35,
      "figures": [
        "support_at_home_lifetime_cap",
        "sah_contribution_clinical",
        "sah_contribution_independence_full_pensioner",
        "sah_contribution_everyday_living_full_pensioner",
        "sah_contribution_independence_self_funded",
        "sah_contribution_everyday_living_self_funded",
        "basic_daily_fee",
        "hotelling_contribution_max",
        "nccc_daily_cap",
        "nccc_years_cap",
        "mtcf_max_daily",
        "mtcf_annual_cap",
        "mtcf_lifetime_cap",
        "max_accommodation_supplement",
        "max_refundable_accommodation_deposit",
        "mpir",
        "rad_retention_rate",
        "rad_retention_years",
        "rc_income_free_area_single",
        "rc_income_free_area_couple_illness_separated_each",
        "rc_income_threshold_1_single",
        "rc_income_threshold_2_single",
        "rc_income_threshold_3_single",
        "rc_income_threshold_4_single",
        "rc_income_threshold_1_couple_illness_separated_each",
        "rc_income_threshold_2_couple_illness_separated_each",
        "rc_income_threshold_3_couple_illness_separated_each",
        "rc_income_threshold_4_couple_illness_separated_each",
        "rc_asset_free_area",
        "rc_asset_threshold_1",
        "rc_asset_threshold_2",
        "rc_asset_threshold_3",
        "rc_asset_threshold_4",
        "rc_home_exemption_cap",
        "rc_min_permissible_asset_level"
      ],
      "page": "https://retirementwealth.com.au/rules/aged-care/"
    },
    {
      "id": "home_equity",
      "label": "Home Equity Access Scheme",
      "description": "Selected settings for the Australian Government loan scheme secured against real estate: the interest rate and payment limits.",
      "count": 3,
      "figures": [
        "heas_interest_rate",
        "heas_max_combined_payment",
        "heas_advance_max"
      ],
      "page": "https://retirementwealth.com.au/rules/home-equity/"
    }
  ]
}