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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'. This is between 55 and 60, depending on when you were born. Or when you reach age 65, even if you are still working.

There are special circumstances where you can access your super early.

When you can get your super

You can get your super when you retire and 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


Or when you reach age 65, even if you are still working.

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.

How to get your super

When you're eligible to withdraw your super, contact your super fund to find out about your retirement income options. Or see retirement income for more information. 

Getting your super early

You can only get your super before you reach your preservation age in very limited circumstances. For example:

The ATO has more information about accessing your super early

Advice about getting your super early

Getting your super early could reduce the amount of money you have when you retire. If you plan to access your super for any of the reasons above, talk to a financial counsellor or a licensed financial adviser first. You may have other options. 

Unlicensed advice and scams

Beware of unlicensed promoters who recommend you access your super to pay debts, for medical procedures, or to set up a self-managed super fund.

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

Persuading you to access your super early is also a common tactic used by scammers. Learn how to spot a super 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.