Transition to retirement calculator

A Transition to Retirement (TTR) strategy allows eligible Australians aged 60 to 65 to access some of their super while continuing to work. It can help you reduce your work hours and supplement your income, or maintain your current income while making additional contributions to your super. The right strategy for you will depend on your personal circumstances and retirement goals. 

The calculator is designed for people who are approaching retirement and want to explore how a (TTR) strategy could affect their income, super balance and retirement outcomes. It may be particularly useful if you're aged 60 or over and still working, whether full-time or part-time.

Potentially. A (TTR) strategy may allow you to supplement your employment income with payments from your super, helping you maintain your lifestyle while working fewer hours. The calculator can help you model different scenarios and see how reducing your hours could affect your finances. 

The calculator provides an estimate of how different TTR strategies could affect your income and retirement savings. By adjusting factors such as your work hours, salary and super balance, you can compare different approaches and better understand the potential impact on your retirement plans.