Your Super Mate

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

Keep reading

Account-based pensions & retirement income

General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser.