Tool · Calculator
Superannuation Calculator
Project your Australian super balance at retirement from employer contributions, your balance, and an expected return. Includes the 15% contributions tax.
Enter your age, current super balance, salary, and an expected return to project where your super could land by retirement. The default 12% contribution rate matches the superannuation guarantee, and the 15% contributions tax is applied for you.
Superannuation Projection
Project your super balance at retirement from employer contributions, your current balance, and an expected investment return.
Projected balance at retirement (37 years)
$2,083,078
Net contributions added
$339,660
Investment growth
$1,693,418
Contributions are reduced by the 15% contributions tax before being invested. This holds your salary, contribution rate, and return constant - real returns, wage growth, fees, and contribution caps will move the number.
A projection that holds salary, contributions, and returns constant and ignores fees, inflation, and caps. Estimates only - not financial or retirement advice.
Frequently asked questions
- What is the superannuation guarantee rate?
- The superannuation guarantee (SG) is the minimum your employer must pay into your super on top of your wage. From 1 July 2025 it is 12% of your ordinary earnings. This calculator defaults to 12%, but you can raise the rate to model salary sacrifice or voluntary contributions.
- Why are contributions taxed at 15%?
- Concessional (before-tax) contributions, including employer SG and salary sacrifice, are taxed at 15% as they enter your fund - lower than most people's marginal income tax rate. This calculator applies that 15% so the amount actually invested matches what hits your account.
- What return should I assume for super?
- Long-run returns depend on your investment option. A balanced option has historically returned somewhere around 6-8% per year before fees over long periods, while a high-growth option can be higher and more volatile. The 7% default is a common planning assumption, not a guarantee.
- What does this calculator leave out?
- It holds your salary, contribution rate, and return constant, and ignores inflation, wage growth, administration and investment fees, insurance premiums inside super, and the concessional contribution cap. Treat the figure as a real-terms-optimistic ballpark, not a retirement plan.