Super and pension age calculator

Check the key ages that affect when you may be able to access super and when Age Pension eligibility can start. It is a quick planning tool for anyone mapping retirement timing.

Best for

Birth-month and birth-year lookup across the imported preservation-age bands
The older female and male Age Pension schedule preserved from the original calculator
A reusable legislative lookup that can feed future retirement or life-stage guidance

About you

Use the same input shape as MoneySmart: birth month, birth year, and sex for the historical pension-age schedule.

Birth month

Birth year

I am

Female Male

Employer contributions calculator

Results

The summary below keeps the original MoneySmart wording, but in a cleaner Open Loans layout.

Your age pension age 67

Your super preservation age 55

For a March 1960 birth year and female pension schedule, the earliest Age Pension age is 67 and the earliest super preservation age is 55.

Age Pension timing

This is the earliest age you can receive an Age Pension, subject to Services Australia eligibility rules.

Super preservation timing

This is the earliest age you can generally access super, but conditions still apply.

What to watch

Life-stage timing can support future retirement and downsizer guidance inside the broader calculator library.
Preservation-age lookups make retirement-access assumptions explicit instead of hiding them in content only.
Keeping the legislation table native avoids relying on an external embedded calculator for deterministic answers.

How these estimates work

This calculator is based on current legislation and birth-year tables from the imported calculator.
Age Pension access still depends on other Services Australia eligibility criteria.
Super access is still subject to conditions, even once preservation age is reached.