Super · Calculator
TTR (Transition to Retirement) Calculator Australia
Plan your transition to retirement. See how reducing work hours and drawing a TTR pension can maintain your income while preserving super for retirement.
01 —INPUTS
Your current superannuation balance
Your annual salary before tax at full-time hours
How many days per week you plan to work
4% to 10% allowed
Additional concessional contribution on reduced salary (SG 12% still applies)
About TTR: TTR allows Australians who have reached preservation age (60, for everyone since 1 July 2024) to draw a pension from super while still working. Minimum drawdown is 4%, maximum is 10%. SG contributions (12%) still apply on reduced salary.
02 —RESULTS
Total Gross Income$85,000.00
Income Breakdown
Reduced Salary$60,000.00
TTR Pension Income$25,000.00
Income Replacement85% of full-time
Superannuation
SG Contribution$7,200.00
Salary Sacrifice$0.00
Super Earnings (7%)$35,000.00
Super Balance After 1 Year$517,200.00
Tax
Tax on TTR Pension (tax-free from 60)$0.00
Est. After-Tax Income$70,000.00
How this works: Preservation age is 60 for everyone since 1 July 2024, so TTR pension payments from a taxed super fund are tax-free. The after-tax estimate applies a flat 25% rate to your reduced salary only — your actual tax depends on your individual circumstances.
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Tax Accuracy & Sources
This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.
What is a TTR pension?
A Transition to Retirement (TTR) pension lets you access up to 10% of your super each year while you're still working, once you reach preservation age (60, for everyone since 1 July 2024). You can reduce your work hours and use the TTR income to supplement your salary.
How much can I withdraw from a TTR?
You must withdraw at least 4% and at most 10% of your account balance each financial year. The minimum is halved in the first year if the pension starts partway through the year.
How is TTR income taxed?
Preservation age is 60 for everyone since 1 July 2024, so TTR pension payments from a taxed super fund are tax-free once you're drawing them.