Retirement tool
PremiumTransition to retirement
A TTR pension in the lead-up.
Models a transition-to-retirement pension alongside reduced hours or a salary sacrifice strategy in the final working years: pension income out, sacrifice in, and the net effect on both take-home pay and the super balance.
The classic TTR question is whether the strategy is still worth it for this client. The tool answers with the two numbers that decide it: take-home pay held steady, and the extra super at retirement.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Salary, hours change if any, and age
- TTR pension drawdown (within the 4.00% to 10.00% band)
- Salary sacrifice amount
- Expected return and years to full retirement
What it reports
- Take-home pay before and after the strategy
- Net super contributions before and after
- Projected extra super at retirement
- The tax saved each year by the swap
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
The strategy holds take-home pay within $200 a year of its current level while lifting net retirement savings by $7,500 per year.
Over the final six working years that compounds to an estimated $49,800 of extra super at retirement.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.