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Getting your super

Find out when you can access your super

Page reading time: 2 minutes

You can get your super when you retire and reach your 'preservation age' — between 55 and 60, depending on when you were born.

When you get your super, you can get it as a lump sum, a retirement income stream, or both. 

When you can get your super

You can withdraw your super once you're 65, even if you're still working.

If you retire before you turn 65, you can get your super when you reach your 'preservation age'. Your preservation age depends on when you were born.

Your date of birth

Age you can access your super (preservation age)

Before 1 July 1960


1 July 1960 — 30 June 1961


1 July 1961 — 30 June 1962


1 July 1962 — 30 June 1963


1 July 1963 — 30 June 1964


After 1 July 1964


If you haven't permanently retired

If you have reached your preservation age but haven't permanently retired, you can still access part of your super via a transition to retirement pension.

If you're in a defined benefit fund

You may be able to access a defined benefit pension from age 55, regardless of when you were born. Check with your fund. Eligibility requirements are different for each fund.

Getting your super early

In some circumstances, you can access your super before you reach your preservation age:

If you need to access your super for any of these reasons, a financial counsellor can help with:

You may also be able to access your super early if you:

See early access to your super on the Australian Taxation Office (ATO) website for more information.

There are heavy penalties for breaking the rules around accessing your super early.

Be wary of anyone offering to set up a self-managed super fund so you can withdraw your super to pay debts. It's illegal and a scam.

Using super to buy your first home

If you're buying your first home, you may be able to access super contributions under the First Home Super Saver Scheme (FHSSS).

The scheme allows you to make voluntary super contributions to your super account to save for your first home. You can then apply to access those contributions and their earnings to buy your first home.

Eligibility criteria and savings limits apply.

See first home super saver scheme on the ATO website for details.