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Home / How super works / Accessing super / Early release of super

Early release of super

Early release of super

Generally you can only access your super if you have reached your preservation age and meet a condition of release (such as retiring or turning 65). Your preservation age is between 55 and 60, depending on your date of birth.

However, the following conditions of release will allow you to access your super early (i.e. prior to reaching your preservation age and meeting a standard condition of release).

  • On compassionate grounds
  • If you’re suffering severe financial hardship
  • If you’re diagnosed with a terminal medical condition
  • If you’re temporarily incapacitated
  • If you’re permanently incapacitated
  • If you’re participating in the First Home Super Saver Scheme
  • If you were a temporary resident who has departed Australia
  • If you have a super account balance below $200

Each of these early super conditions of release has their own strict eligibility criteria.

Set out below are the latest guides that relate to early release of super.

Retiring early due to ill health? 6 steps to stay on track

Retiring early due to ill health? 6 steps to stay on track

17 October 2024

Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.

Early release of super on compassionate grounds

Early release of super on compassionate grounds

15 May 2023

While compassion is a general term, the ATO applies strict rules when deciding whether you can withdraw some of your super early on compassionate grounds.

Early release of super due to severe financial hardship

Early release of super due to severe financial hardship

15 May 2023

You may be able to withdraw a small lump sum from your retirement savings if you are in severe financial hardship and not otherwise eligible to access your super, but strict rules apply.

Early release of super for illness or injury

Early release of super for illness or injury

21 December 2022

Being sick or injured is stressful and difficult financially. Early release of money from your super could help relieve the pressure.

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