Transition to Retirement Calculator
Model your TTR pension strategy — salary sacrifice into super while drawing a pension to maintain take-home pay
// YOUR_DETAILS
✓ TTR available (age 60+)
$450,000
$120,000
// TTR_STRATEGY
$15,000
SG contribution (12%):
$14,400
Cap remaining:
$600
Total concessional cap: $30,000/yr (incl. SG)
$27,000 per year from super
Minimum: 4% | Maximum: 10%
// RETURNS & FEES
Annual tax saving
$5,175
Super boost at retirement: -$100,920 | 7 year TTR period
Income Comparison
WITHOUT TTR
WITH TTR
Super Balance at Retirement (inflation-adjusted)
Extra super at retirement
-$100,920
TTR period
7 years
Total tax saved
$36,225
TTR Strategy Update (July 2017+)
TTR pensions have been less tax-effective since July 2017 when earnings tax was introduced. The main benefit now is the concessional contribution tax saving. The TTR pension itself is tax-free to recipients over 60, but earnings within the fund are taxed at 15%. Get advice if you're pushing near the $30,000 concessional cap.
Year-by-Year Projection
| Year | Age | Without TTR | With TTR | Difference | Tax Saving |
|---|---|---|---|---|---|
| 0 | 60 | $493,200 | $481,200 | -$12,000 | $5,175 |
| 1 | 61 | $539,165 | $514,397 | -$24,768 | $5,175 |
| 2 | 62 | $588,071 | $549,718 | -$38,353 | $5,175 |
| 3 | 63 | $640,108 | $587,300 | -$52,808 | $5,175 |
| 4 | 64 | $695,475 | $627,287 | -$68,187 | $5,175 |
| 5 | 65 | $754,385 | $669,834 | -$84,551 | $5,175 |
| 6 | 66 | $817,066 | $715,103 | -$101,963 | $5,175 |
| 7 | 67 | $883,758 | $763,270 | -$120,488 | $5,175 |
Disclaimer: This calculator uses simplified tax and super rules. Individual circumstances vary — contribution caps, division 293 tax (for high earners), and fund rules may affect your outcome. TTR strategy effectiveness reduced since July 2017. Not financial advice. Always consult a qualified financial adviser.