Can I retire before Age Pension age?

Possibly, but the gap years need to be funded from savings, super, work income or other income before Age Pension support may begin.

Is super access age the same as Age Pension age?

No. Super access and Age Pension eligibility are separate timing questions.

What should I check before retiring early?

Check cash reserves, super access, contribution stop dates, annual spending, partner timing and later Age Pension means-test pressure.

Retire before pension age

Retire before Age Pension age: bridge years guide.

Retiring before Age Pension age creates bridge years. Those years need to be funded from savings, super if accessible, part-time work, passive income or a lower spending target before Age Pension support may begin.

Bridge years guide Super drawdown guide

Timing risk

The pension start date is not the retirement date.

Someone may want to stop work at 60, 62 or 65, but Age Pension age and super access rules are separate. The years in between can decide how much pressure falls on savings and super.

Pension Pilot is educational retirement planning support, not personal financial advice.

What to model before stopping work.

Annual spending

Estimate the spending target for each bridge year, not just the first year of retirement.

Cash and super access

Check which money can be used, when super may be accessed and whether a condition of release is met.

Age Pension means test

Estimate assets-test and income-test pressure at the likely claim age, not only at the work stop date.

Model the gap before choosing the retirement dateStart retirement flow See the report preview