Current as of 17 Feb 2026. Always verify current year rates.

What are the 2026 minimum super drawdown rates?

Short answer:

Minimum drawdown rates are government rules for account‑based pensions. Your fund must pay at least the minimum each financial year, based on your age and your 1 July balance (with pro‑rata rules if you start part‑way through the year). Rates can change, so use the current ATO table rather than relying on old figures.

Key takeaways

Applies to account‑based pensions (and similar income streams)
Based on age and 1 July balance, with pro‑rata in some cases
Minimums are compliance rules, not a spending recommendation
Withdrawing more is allowed; focus on sustainability and flexibility
Use the live ATO table for current rates

Why this matters

If you withdraw less than the minimum, your pension can lose its intended tax treatment for that year. If you treat the minimum as a ‘recommended’ spend, you may underspend and miss out on quality of life.

Mini-plan (3-4 steps)

Confirm you’re in an account‑based pension (not accumulation).
Check the current ATO minimum drawdown table for your age band.
Compare the minimum to your actual spending needs this year.
Set a spending rule and review point so you adjust calmly over time.

Sources (so you can verify)

Disclaimer: Information provided is general in nature and does not constitute personal financial advice. You should consider seeking advice from a licensed financial planner before making any financial decisions.

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