Transition to Retirement (TTR) calculator
Work out whether running a TTR pension alongside your salary actually saves you tax. Under 60 vs 60+ treated differently — we handle both.
Built on 2025-26 ATO rates · Last reviewed April 2026
Take-home without TTR
$80,612
Full salary, normal tax
Take-home with TTR strategy
$98,052
Reduced salary + TTR pension income
Annual benefit
$17,440
In your pocket. Plus extra $ into super.
Tax breakdown with TTR
- Salary income tax + Medicare: $20,548
- Contributions tax (15% on salary sacrifice): $1,800
- TTR pension tax: $0 (tax-free over 60)
The TTR strategy in one line: swap high-tax salary dollars for low-tax super dollars, then pull some of it back as a TTR pension to live on. Works best when you're 60+ (tax-free pension) and can salary sacrifice without blowing the concessional cap.
Opens straight into Excel, Numbers or Google Sheets
Where these numbers come from
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Account-based pensions & retirement income →General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.