Australian Superannuation Calculator
Project your super balance at retirement — see how employer contributions, salary sacrifice and compound investment returns build your nest egg.
- Super guarantee: 12%
- 15% contributions tax applied
- Compound growth projection
Projected balance at age 67
- 1.6% Starting balance $30,000
- 18.5% Contributions (after tax) $339,660
- 79.9% Investment growth $1,468,946
- Total contributions (before tax)
- $399,600
- Contributions tax (15%)
- −$59,940
How this is calculated
Each year, your projected balance grows by your expected investment return, then that year's concessional contributions are added: your employer's 12% super guarantee plus any salary sacrifice, less the 15% contributions tax charged inside the fund.
Compounding does the heavy lifting: returns earned on a larger balance each year are why starting early matters so much.
Assumptions & important notes
- This is a simplified projection for general guidance, not personal financial advice.
- Employer super guarantee is 12% from 1 July 2025. Concessional contributions (employer + salary sacrifice) are taxed at 15% inside the fund.
- Assumptions: salary, contribution rates and the expected return are held constant each year; the return is nominal and net of fees; figures are NOT adjusted for inflation (future dollars).
- The concessional contributions cap ($30,000 for 2024-25) is NOT enforced by this tool. If your employer + salary-sacrifice contributions exceed the cap, extra tax applies — check the ATO.
- The default 7% return is an illustrative assumption, not a guarantee. Actual returns vary and can be negative in some years.
Official sources
Disclaimer: This superannuation projection is general information only and not personal financial advice. It relies on assumptions that may not reflect your circumstances or actual investment returns. Consider seeking advice from a licensed financial adviser.
Frequently asked questions
How much super will I have when I retire? +
Enter your age, planned retirement age, current balance, salary and expected return. The calculator projects your balance year by year, adding your employer's 12% super guarantee plus any salary sacrifice (after the 15% contributions tax) and compounding the expected investment return.
How much super does my employer pay? +
The super guarantee is 12% of your ordinary earnings from 1 July 2025, paid on top of your salary into your super fund. You can adjust the rate if your arrangement differs.
How is super taxed? +
Concessional (before-tax) contributions — your employer's super guarantee and any salary sacrifice — are generally taxed at 15% when they enter your fund. Investment earnings inside super are also concessionally taxed. This tool applies the 15% contributions tax; confirm your situation with the ATO.
Is the projected balance in today's dollars? +
No. The figure is nominal — future dollars, not adjusted for inflation — so its real purchasing power will be lower. Treat it as a guide, not a promise.
What return should I assume? +
The default 7% is illustrative for a typical balanced/growth option net of fees. Returns vary year to year and can be negative. Try a range of returns to see how sensitive your outcome is.
Are these figures exact? +
No — this is a simplified projection for general guidance, not personal financial advice. It holds salary and rates constant and does not enforce the concessional contributions cap. For advice specific to you, speak to a licensed financial adviser.