Your selected pattern
Ease back
Compare reduced pay with a measured pension payment and the effect on later super.
Great Advice · Transition to retirement
Which retirement-income rule path applies?
Your rule path
Enter your details to separate the rule paths
Age and work status decide whether TTR or ordinary retirement-phase rules apply.
For ages 60 to 64, work status matters. From age 65, ordinary retirement-phase rules apply instead.
Nothing is stored and no personal details are needed.
The 4% to 10% TTR rangeFull financial-year illustration
TTR range
4% annual minimum10% annual maximum
Decision-support patterns
Your selected pattern
Contribution offset
Model contributions, caps, tax and pension payments together before changing either side.
Your selected pattern
Cash-flow access
Test the immediate need against the amount removed from future compounding.
Advice handoff
Ask an adviser to model tax, contribution caps, fund rules, fees and the effect on your retirement balance before setting up or changing a pension.
What this checker simplifies
- It does not test every condition of release or fund rule.
- A pension started part-way through a financial year can have a pro-rated minimum. This checker shows the full-year range.
- Tax outcomes and contribution effects depend on your circumstances.
- An ordinary account-based pension uses an age-based minimum, not the TTR 10% maximum.
A rule path is only the start. A first meeting with George can turn the pattern into cash-flow and long-term numbers.
Work it out with George 5.0 Google rating · Free first meeting. No obligation.
How it works: The checker routes ages 60 to 64 who are still working to the TTR payment rules. The 4% minimum shown is a full-year figure and can be pro-rated when a pension starts part-way through the financial year. From age 65, or after retirement where a condition of release is met, ordinary retirement-phase rules may apply instead. General information only. This tool does not consider your objectives, financial situation or needs and is not a recommendation to start, stop or change a pension or contribution strategy. Rules checked 13 July 2026. See the ATO transition-to-retirement guidance. Great Advice is a trading name of Aetos Wealth Advisors Pty Ltd, Corporate Authorised Representative of Akumin Financial Planning Pty Ltd (AFSL 232706).
