Start here
Transition to Retirement Pension: 2026–27 Guide
How a transition to retirement pension works in Australia for 2026–27, including age 60 eligibility, 4% and 10% payment limits, tax, and worked examples.
Read the guideIn this topic
TTR Minimum & Maximum Drawdown Rates: 2026–27 Rules
TTR pension minimum is usually 4% under 65 and the maximum is 10%. First-year amounts use commencement-day figures, not always 1 July. Worked examples for 2026–27.
Tax on a Transition to Retirement Pension Explained
How tax works on a TTR pension in 2026–27: fund earnings taxed at up to 15 percent, generally tax-free payments from age 60, and retirement-phase rules.
What Happens to a TTR Pension at Age 65?
At 65 a TTR moves automatically into retirement phase, the 10% cap ends, and the $2.1 million general transfer balance cap can apply. How minimum payments are timed.
How Salary Sacrifice Works With a TTR Strategy
How salary sacrifice works with a TTR pension in 2026–27, using the $32,500 concessional cap, 12% SG and a complete baseline versus TTR calculation.