Transition to Retirement Planner.
Plan a gradual transition to retirement by accessing your super while still working part-time.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
A Transition to Retirement (TTR) strategy lets you access your super as an income stream while continuing to work — either at reduced hours or full-time with a salary sacrifice strategy. If you've reached your preservation age (between 55-60 depending on your date of birth), a TTR pension can help you ease into retirement, supplement reduced income, or even boost your super through tax-effective strategies.
Real-world scenarios
Gradual Wind Down
Helen is 60, earns $110,000 full-time, and has $500,000 in super. She wants to drop to 3 days ($66,000) and maintain $90,000 total income.
Helen draws $24,000/year from her TTR pension (4.8% of balance). Her combined income is $90,000. At age 65, her TTR converts to a full pension with tax-free earnings.
Tax-Effective TTR Strategy
Peter is 58 and earns $130,000. Instead of reducing hours, he salary sacrifices $25,000 into super and draws $25,000 from a TTR pension.
Peter's taxable income drops to $105,000, saving ~$8,500 in tax. The $25,000 salary sacrifice is taxed at 15% ($3,750) vs 37% ($9,250) if received as salary. Net annual benefit: ~$5,000+.