{
  "api_version": "2.0",
  "url": "https://retirementwealth.com.au/api/v2/figures/assets_test_full_pension_couple_combined_homeowner.json",
  "schema": "https://retirementwealth.com.au/api/v2/schema/api.json#/$defs/figure_file",
  "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.",
  "figure": {
    "id": "assets_test_full_pension_couple_combined_homeowner",
    "former_ids": [
      "assets_test_full_pension_couple_homeowner"
    ],
    "label": "Assets test: full pension threshold, couple homeowner (combined)",
    "category": "age_pension",
    "category_label": "Age Pension",
    "concept": "age_pension.assets_test.full_pension_threshold",
    "kind": "threshold",
    "dimensions": {
      "household": "couple",
      "basis": "combined",
      "homeowner": true
    },
    "value": 499000,
    "display_value": "$499,000",
    "unit": {
      "code": "AUD",
      "plain": "Australian dollars",
      "quantity": "money",
      "currency": "AUD",
      "per": null,
      "per_amount": null,
      "ratio_divisor": null
    },
    "ratio": null,
    "effective_from": "2026-07-01",
    "effective_from_basis": "value",
    "validity": {
      "from": "2026-07-01",
      "to": null,
      "basis": "value",
      "status": "in_force"
    },
    "applies_by": null,
    "resets": "1_july",
    "review_dates": [
      "07-01"
    ],
    "source": {
      "title": "Assets test for Age Pension",
      "publisher": "Services Australia",
      "url": "https://www.servicesaustralia.gov.au/assets-test-for-age-pension",
      "type": "primary"
    },
    "verification": {
      "status": "verified_primary",
      "checked_on": "2026-10-11"
    },
    "notes": "The combined assets of both partners. Indexed on 1 July each year (Social Security Act 1991, s 1191). The effective date comes from the Department of Social Services rates list for 1 July 2026 indexation.",
    "conditions": [],
    "exceptions": [],
    "caveats": [],
    "legal_basis": [
      {
        "instrument": "Social Security Act 1991",
        "provision": "s 1191",
        "role": "indexation"
      }
    ],
    "derivation": null,
    "related": {
      "same_concept": [
        "assets_test_full_pension_single_homeowner",
        "assets_test_full_pension_single_non_homeowner",
        "assets_test_full_pension_couple_combined_non_homeowner"
      ],
      "inputs": [],
      "used_by": [
        "assets_test_cutoff_couple_combined_homeowner"
      ]
    },
    "upcoming": [],
    "first_published": {
      "release": 3,
      "recorded_at": "2026-10-11T08:24:25Z"
    },
    "last_changed": {
      "release": 12,
      "recorded_at": "2026-10-13T08:24:56Z"
    },
    "cite_as": "Assets test: full pension threshold, couple homeowner (combined): $499,000, applies from 1 July 2026. Official source: Services Australia, Assets test for Age Pension (last checked 11 October 2026). Retirement Wealth, https://retirementwealth.com.au/rules/age-pension/assets-test-full-pension-couple-combined-homeowner/",
    "links": {
      "self": "https://retirementwealth.com.au/api/v2/figures/assets_test_full_pension_couple_combined_homeowner.json",
      "page": "https://retirementwealth.com.au/rules/age-pension/assets-test-full-pension-couple-combined-homeowner/",
      "current_value": "https://retirementwealth.com.au/api/v2/figures/assets_test_full_pension_couple_combined_homeowner/2026-07-01.json"
    },
    "timeline": [
      {
        "value": 499000,
        "display_value": "$499,000",
        "ratio": null,
        "effective_from": "2026-07-01",
        "effective_to": null,
        "basis": "value",
        "status": "in_force",
        "source": {
          "title": "Assets test for Age Pension",
          "publisher": "Services Australia",
          "url": "https://www.servicesaustralia.gov.au/assets-test-for-age-pension",
          "type": "primary"
        },
        "verification": {
          "status": "verified_primary",
          "checked_on": "2026-10-11"
        },
        "notes": null,
        "url": "https://retirementwealth.com.au/api/v2/figures/assets_test_full_pension_couple_combined_homeowner/2026-07-01.json"
      },
      {
        "value": 481500,
        "display_value": "$481,500",
        "ratio": null,
        "effective_from": null,
        "effective_to": "2026-06-30",
        "basis": "value",
        "status": "superseded",
        "source": {
          "title": "Social Security Payment Parameters: 1 July 2026 indexation",
          "publisher": "Department of Social Services",
          "url": "https://www.dss.gov.au/system/files/documents/2026-05/rates-list-1-july-2026.pdf",
          "type": "primary"
        },
        "verification": {
          "status": "verified_primary",
          "checked_on": "2026-10-11"
        },
        "notes": "Listed as the previous amount. The source does not state when it started.",
        "url": null
      }
    ]
  }
}