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Home / How super works / Accessing super

Retirement age calculator: When can you access your super or the Age Pension?

August 7, 2019 by SuperGuide Leave a Comment

Reading time: 1 minute

Although there is no ‘retirement age’ in Australia, there are two ages that are important to know for planning your retirement:

  • Preservation age: This is the age when you can access your super funds provided you have also met a condition of release (such as retiring or turning 65).
  • Age Pension age: This is the age when you can access Australia’s Age Pension, provided that you’re an Australian resident and you pass both the income test and the assets test.

The age you become eligible for these have changed over the years, and are dependent on your date of birth. Like many things in superannuation, working these out for yourself are not as straightforward as they could be. To help out we’ve built a Retirement age calculator.

How to use the Retirement age calculator

Note: When the calculator first appears, by default it shows the result for 1st January 1960.

In the calculator below

  1. Click on the date.
  2. Select the year of your birth from the dropdown menu
  3. Select ‘next’ until you find the month of your birth, then select your birthday
  4. If you were born before 1 January 1949 you will also need to select your sex.
Show more…

Learn more about accessing super in the following SuperGuide articles:

Accessing super: Reaching preservation age and retiring

October 9, 2020

What age can I access my super (Preservation Age)?

October 6, 2020

Accessing super: Ceasing employment after 60

October 6, 2020

Accessing super: Reaching age 65

October 6, 2020

Early release of super due to COVID-19 (coronavirus)

July 23, 2020

When can I access my super? All conditions of release explained

April 1, 2020

Guide to transition-to-retirement pensions (TTRs or TRISs)

March 22, 2020

Learn more about retirement calculators and reckoners in the following SuperGuide articles:

Annual super fund performance Reckoner: Annual returns for 5 investment categories

January 19, 2021

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Super to income Reckoner

February 18, 2020

Income from super Reckoner

February 18, 2020

Super fees and returns calculator

October 2, 2019

How reliable are retirement income calculators?

August 1, 2019

Learn more about retiring in the following SuperGuide articles:

What is the retirement age in Australia?

January 4, 2021

Accessing super: Reaching preservation age and retiring

October 9, 2020

Can I return to work after I access my super?

September 1, 2019

Learn more about the Age Pension in the following SuperGuide articles:

Age Pension rates (March 2020 to March 2021)

September 18, 2020

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Age Pension income test limits (July 2020 to March 2021)

September 18, 2020

Age Pension assets test limits (July 2020 to March 2021)

September 18, 2020

Case studies: How is the Age Pension assessed?

September 17, 2020

How to maximise your Age Pension

September 17, 2020

Am I eligible for the Age Pension?

September 3, 2020

Deeming rates (and calculator) for the Age Pension income test

July 1, 2020

How does your super affect the Age Pension?

March 1, 2020

What are the Age Pension residency rules?

March 1, 2020

Are you getting your slice of the Age Pension Work Bonus?

November 13, 2019

How do I apply for the Age Pension?

July 1, 2019

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Accessing super How super works

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Retirement calculators and reckoners Superannuation Q and As

IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Learn more

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How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
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Retirement calculators and reckoners
In retirement
Income in retirement
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Important: Disclaimer

All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs.

You should consider whether any information on SuperGuide is appropriate to you before acting on it.

If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Learn more

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