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

Are super withdrawals tax-free after Age Pension age?

Short answer:

Often, tax outcomes change at age 60 (not specifically at Age Pension age). Many benefits from taxed super funds are tax‑free after 60, but it depends on the payment type and components, and there can be exceptions (for example, some untaxed elements). Age Pension age mainly affects Centrelink eligibility. Use the ATO tax-on-benefits guidance and tax tables for current treatment.

Key takeaways

Age 60 is a key tax milestone for many super benefits
Age Pension age is about Centrelink eligibility, not super tax rules
Tax depends on lump sum vs income stream and fund/components
There can be exceptions (including untaxed elements)
Use ATO tables for current treatment

Why this matters

Mixing up Age Pension age and super tax rules is common and can lead to poor assumptions. Clear milestones help you plan withdrawals with fewer surprises.

Mini-plan (3-4 steps)

Confirm your age and whether your fund is taxed or untaxed.
Check whether you’re taking a lump sum, income stream, or both.
Use the ATO tax tables for your age bracket and payment type.
If you’re unsure, get licensed advice before large withdrawals.

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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