Withdrawing and using your super

You can withdraw your super:

when you turn 65 (even if you haven’t retired)
when you reach preservation age and retire, or
under the transition to retirement rules, while continuing to work.

There are very limited circumstances where you can access your super early. For more information refer to Early access to your super.

Your preservation age is not the same as your pension age. Your preservation age is the age at which you can access your super if you are retired (or have started a transition to a retirement income stream). Refer to Services AustraliaExternal Link for the age pension eligibility requirements.

Your preservation age depends on when you were born. You can use this table to work out your preservation age.

Preservation age based on date of birth
Date of birth	Preservation age
Before 1 July 1960	55
1 July 1960 – 30 June 1961	56
1 July 1961 – 30 June 1962	57
1 July 1962 – 30 June 1963	58
1 July 1963 – 30 June 1964	59
From 1 July 1964	60

Check your super

For more information about accessing super, see:

Last modified: 28 Jul 2022QC 23234