Generally, you must reach ‘preservation age’ before you can access your super (explained in the table below). There are some exceptions, though, such as for medical or hardship reasons (outlined in the Getting My Super Guide) or when transitioning to retirement.
First Home Super Saver Scheme
If you’re on the hunt for a first home, you may be able to use some of your super to save for a deposit. To find out whether you’re eligible to withdraw up to $15,000 in any one financial year (total maximum of $30,000) to buy your first home, visit: ato.gov.au/fhss
What is your preservation age?
Your preservation age is the age at which you can access your benefits if you’re permanently retired. It depends on your date of birth.
When you can access your super
If you were born on or before 30 June 1961, you can access your super now. If you were born after this date, check the table below.
Born on or between
1 July 1961 and 30 June 1962
1 July 1962 and 30 June 1963
1 July 1963 and 30 June 1964
1 July 1964 to now
There may be limited circumstances where you can access your super before your preservation age. To do so you need to meet a 'condition of release'. Our Getting My Super Guide outlines the conditions of release, how to access benefits for medical reasons, and other factors worth considering.