TTR & Salary Sacrifice Calculator

Evaluate your potential take-home pay optimization and superannuation balance growth options for FY 2026/2027.

Strategy Advisory: The amount you're transferring into your TTR account is below $50,000. Transition to Retirement strategies on smaller TTR account balances may be quickly eroded by standard account fees and charges combined with minimum mandatory drawdowns.

Super balance must be at least $10,000 to hold a super account.

A TTR Flexi Pension needs at least $25,000 to open. If you don't transfer your entire super balance, at least $6,000 must stay in your accumulation account.

Amount to transfer must be at least $25,000, and (unless transferring your entire balance) must leave at least $6,000 behind.

12% is the legislated statutory minimum for FY 2026/2027. Increase this only if your employer contributes above the minimum (e.g. some universities and enterprise agreements pay up to 18%).

Employer SG rate cannot be set below the 12% statutory minimum.

Max allowed: $17,500 (Concessional Cap − Employer SG)

4%

Optional. E.g. bank interest, dividends, or rental income. Taxed at your marginal rate alongside salary in both scenarios; excluded from Super Guarantee and salary sacrifice cap calculations.

Annual Tax Saved

$0

Annual Take-Home Delta

$0

Net Super Impact (1st Yr)

$0

Weekly Take-Home Change

$0

Monthly Take-Home Change

$0

Annual Take-Home Change

$0

Base Scenario (Current)
Gross Salary$0
Other Taxable Income$0
Total Taxable Income$0
Total Income Tax + Levy$0
Net Take-Home Pay$0
Employer SG (12%)$0
Net Super Growth (1st Yr)$0
Optimized Strategy (TTR)
Taxable Salary$0
Other Taxable Income$0
Total Taxable Income$0
Total Income Tax + Levy$0
TTR Account Balance$0
Tax-Free TTR Pension Drawdown$0
Net Take-Home Pay$0
Total Concessional In$0
Net Super Change (1st Yr)$0