Money & Tax
Visas
Health
Family
Settling In
Blog
All Tools
Sign In
Superannuation Calculator
Estimate your super balance at retirement
Your Details
Current age
?
Your current age. The more years until retirement, the more time your super has to grow through compound returns.
How old are you now? The younger you are, the more time your retirement savings have to grow.
Explain simply
Retirement age
?
The age you plan to retire. You can access super from age 60 (preservation age). The Age Pension starts at 67.
When do you want to stop working? You can get your super money from age 60. The government pension starts at 67.
Explain simply
Annual salary (before tax)
?
Your gross annual salary before any deductions. Super contributions are calculated on this amount.
Your yearly pay before tax and deductions. Your employer pays super on top of this amount.
Explain simply
Current super balance
?
The total amount currently in your superannuation account. Check your super fund app or latest statement.
How much retirement savings you have right now. Check your super fund's app or website to find out.
Explain simply
Contributions
Employer contribution rate
(SG rate is 12% from 2025-26)
?
The percentage your employer must pay into your super on top of your salary. It is 12% from July 2025.
Your boss has to put extra money into your retirement fund. Right now it's 12% of your salary.
Explain simply
11.5% (2024-25)
12% (2025-26 onwards)
Extra salary sacrifice
($/year)
?
Additional pre-tax contributions you choose to make. Taxed at 15% in super instead of your marginal rate.
Extra money you put into super before tax. It gets taxed less in super (15%) than in your pocket, so you save money.
Explain simply
Personal after-tax
($/year)
?
Voluntary contributions from your after-tax income. You may be able to claim a tax deduction for these.
Extra money you put into super from your take-home pay. You might be able to get some tax back for doing this.
Explain simply
Assumptions
Investment return
(% p.a.)
?
The expected annual return on your super investments. Balanced funds have historically averaged around 7%.
How much your super grows each year on average. A typical balanced fund grows about 7% per year over the long run.
Explain simply
5% (conservative)
7% (balanced)
9% (growth)
Salary growth
(% p.a.)
?
How much you expect your salary to increase each year. The average wage growth in Australia is around 3%.
How much more you expect to earn each year. Most people's pay goes up about 3% a year in Australia.
Explain simply
2%
3%
4%
Fees
(% of balance p.a.)
?
Annual management fees charged by your super fund as a percentage of your balance. Lower fees mean more money at retirement.
The fee your super fund charges each year to manage your money. Lower fees mean more money when you retire.
Explain simply
0.5% (low-cost industry fund)
1.0% (average)
1.5% (high-fee retail fund)
Calculate Super
How much tax will you pay?
See your full tax breakdown including Medicare levy
Tax Calculator
Disclaimer:
This is an estimate only. Actual super balances depend on fund performance, fees, insurance premiums (not included), and changes to legislation. This is not financial advice. Compare funds at
ATO
or
MoneySmart
.