Retirement age calculator · Australia

Retirement age in Australia: when you can claim your pension

When you can retire depends on your year of birth and how many years you have been insured. The calculator above shows the earliest age and the age for a full pension, and what each age would pay.

The rules in brief

• Age Pension: From age 67 for residents with at least 10 years of residence (5 of them in one stretch). It is not based on earnings: the maximum is $1,237.70 a fortnight for a single person and $933.00 each for a couple (from 20 September 2026), reduced by an income test (50c per $ of income above $226 a fortnight, with savings deemed to earn 1.75% / 3.75%) and an assets test ($3 a fortnight per $1,000 above $333,000 for a single homeowner). Rates rise every March and September.
• Super at retirement: Most Australians retire on their super plus a full or part Age Pension. Super can be accessed from 60 once you retire (or at 65), and withdrawals from 60 are tax-free. Your home is not counted in the assets test.

Earliest and full pension, by year of birth

Assumes work from age 22 without gaps.

Example: born in 1991, what each age pays

Career from age 22 with the calculator’s example pay; amounts in today’s money.

Frequently asked questions

When can I retire in Australia?
At 67 if you were born in 1991.

Rules and official sources: see “Rules applied (2026)” in the calculator. Last checked: October 2026. Estimates for information, not financial advice.