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Preservation Age Calculator

Calculator

Find out when you can access your superannuation based on your date of birth.

Free to useNo data storedAI insightsUpdated: February 2026

Your preservation age is the age at which you can access your superannuation benefits if you are retired. It is generally between 55 and 60, depending on when you were born.

Enter Your Details

Enter Your Details

Enter your date of birth

Real-World Examples

Standard Case

Born in 1980.

Preservation age is 60. You can access super in 2040 if retired.

Older Worker

Born in 1962.

Preservation age is 58. You have already reached it.

Frequently Asked Questions

Glossary

Condition of Release
An event, such as retirement or reaching age 65, that allows you to withdraw your super.
Transition to Retirement (TTR)
A strategy allowing you to access super as an income stream while still working, once you reach preservation age.

Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: February 2026

How to Use
  1. Enter your date of birth.
  2. See your preservation age.
  3. Learn about the conditions of release.
Key Information
  • If you were born after 30 June 1964, your preservation age is 60.
  • Reaching preservation age doesn't automatically mean you can access your super - accurate 'condition of release' must also be met (usually retirement).
  • You can access super as a 'transition to retirement' income stream once you reach preservation age, even if still working.
Pro Tips
  • Check your insurance cover in super - it often ceases at a certain age.
  • Consider a Transition to Retirement (TTR) strategy if you want to reduce work hours.
  • Generally, you can access your super tax-free from age 60.
Avoid These Mistakes
  • Confusing preservation age (access super) with pension age (Age Pension eligibility, usually 67).
  • Withdrawing super too early and paying unnecessary tax.
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