Transition to Retirement Pension Calculator(2025/26)
Explore how a TTR pension could help you transition to retirement while maintaining your lifestyle, reducing tax, or boosting your super balance.
Choose Your TTR Strategy
Select the strategy that best matches your retirement goals. Each approach offers different benefits depending on your circumstances.
Keep working and grow your super
Use TTR pension to make voluntary super contributions while maintaining your current income
Reduce your work hours
Supplement reduced employment income with TTR pension for a gradual transition to retirement
Get extra income from your super
Access additional income from your superannuation while continuing to work full-time
Frequently Asked Questions About TTR Pensions
Common questions about transition to retirement pensions, tax treatment, and strategies
Official ATO Information
For official rules, thresholds, and eligibility criteria, refer to the Australian Taxation Office.
View ATO Transition to Retirement InformationRelated Articles
Transition to Retirement Explained
Full guide to TTR rules, benefits, examples, and when it's worth using.
Tax on a TTR Pension Explained
How tax works on TTR pensions including earnings tax, payments before and after 60.
TTR Minimum and Maximum Drawdowns
The 4% minimum and 10% maximum withdrawal rules and pro-rata requirements.
How Salary Sacrifice Works With TTR
Contribution caps, tax impact, and when the salary sacrifice plus TTR strategy makes sense.
What Happens to a TTR at Age 65?
Retirement phase rules, tax changes, and removal of the 10% cap at 65.
Can You Work Full Time With a TTR?
Yes — learn the rules, limits, tax impact, and when it makes sense.
Common TTR Mistakes
When a TTR strategy backfires and how to avoid reducing your super unnecessarily.
General Information Only
This calculator provides general information only and does not constitute personal financial advice. Results are estimates based on the inputs provided and current ATO rates. Your actual tax obligations may differ. Please consult a licensed financial adviser before making any financial decisions.
A comprehensive guide to TTR pensions including real examples, tax treatment, and eligibility rules.
Still paying full tax while you're counting down to retirement? There may be a smarter way to structure these final working years.
A TTR pension could reduce your tax — but only if the drawdowns, contributions, and caps line up. Let's see if the numbers work for you.
Meet Alan O'Reilly — a licensed financial adviser helping Australians approaching retirement make the transition on their terms.