You're moving to Australia. Your pension isn't coming with you — not automatically.
Most people leave it behind and deal with it later — unsure whether to move it, leave it, or if that's even possible.
The moment you become an Australian tax resident, it sits inside two rulebooks at once — the one you left, and the ATO's. Get the timing wrong and that delay has a real cost.
This free assessment checks your specific pension against the current rules in both, so you know exactly where you stand before you decide anything.
See where you actually stand.
Three steps, about two minutes. The date and cap figures below are computed from what you enter, against this year's real thresholds — nothing here is a canned example.
If it would help, we can introduce you to your Australian planner now. Either way, your reading above is already yours.
By law, this isn't a one-adviser decision.
Most guidance treats the transfer as a single Australian-side question. It isn't. The UK side has its own legal gate — and it closes before the Australian side ever opens.
Pension Schemes Act 2015, s.48
Where a defined benefit or other safeguarded pension exceeds £30,000, UK scheme trustees are legally required to confirm that regulated advice — from an FCA-authorised Pension Transfer Specialist — has been obtained before any transfer can proceed. This is not our recommendation. It is a precondition the scheme administrator must verify, whoever you choose to work with.
Pension to Australia doesn't require you to use anyone. If it would help, we're glad to introduce you to a trusted, CA-qualified Australian planner — the person who'll actually be handling this for you, day to day, once you're here. Where a case needs the UK signature too, your planner coordinates that as part of the process, rather than you managing two separate relationships. Entirely up to you either way.
An Australian planner confirms fund eligibility, structures the contribution against this year's caps, manages the Applicable Fund Earnings position with the ATO — and coordinates everything else from here.
For defined benefit schemes over £30,000, an FCA-regulated Pension Transfer Specialist must separately sign off before UK trustees release funds. Your planner brings this in only when your case actually needs it.
Three instruments, checked against the register — not recalled from memory.
Each of these moves on its own schedule. The reading is only correct if it's taken today.
Checked against HMRC's ROPS notification list, republished the 1st and 15th of every month. Most mainstream super funds are not on it — only specific SMSFs and purpose-built schemes qualify.
From your Australian residency start date. Inside the window, growth in the UK fund transfers free of tax. Outside it, Applicable Fund Earnings become assessable income.
This year's non-concessional cap — three times that under the bring-forward rule if your total super balance sits under $1.84m. Reindexed most financial years.
The facts are public. The reading is not.
Any model can recite the rule. None can hold your fund, your date, and this year's caps against the register at once.
A model answers from training
Correct on the day it was trained. The ROPS list has moved since — twice a month, every month.
STATICA generic calculator answers once
Takes your numbers, gives a figure, forgets you. Your six-month clock keeps running regardless.
ONE-SHOTThis reading is yours to keep
Computed against today's real figures, then saved or calendared on your terms — not re-typed into a chatbot next time you need it.
KEPTFrom first reading to (if you want it) an introduction.
Four steps, all of them free. The last is optional, and only ever at your request.
Lodge the particulars
Origin, scheme type, value, and the date your Australian residency began — or upload the annual statement and skip the typing.
Take the reading
Your intended fund checked against the current ROPS list, your window measured in days, your cap headroom sized to this year's figures.
Take it with you
Save your reading, or add your actual deadline to your calendar. Nothing to remember, nothing lost if you close this tab.
An optional introduction
If it would help, we can introduce you to independent, CA-qualified specialists — in the UK where a signature is legally required, in Australia for the transfer itself. No obligation to take it up.
Built to arrive at your door already qualified — never forced.
Nobody is pushed toward a referral. But when a visitor asks for one, they've already had the free reading — fund checked, window measured, caps sized. Not a cold introduction.
Every visitor who asks for one is introduced here first, with fund eligibility, residency dates, and cap headroom already established — case-ready, not cold. This is the relationship Pension to Australia is built around.
Brought in only where a safeguarded benefit over £30,000 makes it a legal requirement, and coordinated through the Australian planner rather than as a separate introduction the visitor manages themselves.