Key considerations for Australian retirees in 2026
Considering retirement at 58 with $250,000 in super? You're below preservation age (60), so you'll need to plan around when you can access super and how to fund the years until then. This page outlines key considerations for Australian retirees in 2026.
It depends on your desired income, other assets, whether you're single or a couple, and homeowner status. Preservation age is 60—you can access super from then (or earlier if you meet a condition of release). Sustainable income depends on strategy, time horizon and market path—and from 67, Age Pension may apply. Use the Advanced Calculator to model the Age Pension and historical stress tests for your own numbers.
Your sustainable income depends on withdrawal strategy, investment mix and how long you need the money to last. From age 67, part or full Age Pension can top it up. We don't quote a single rate here—use the Advanced Calculator to get a personalised result based on the Age Pension taper and historical stress tests.
Run your age, balance, and goals in our Advanced Calculator. It uses 98 years of real market data and models the Age Pension taper.
Open Advanced Calculator