Calculators
Superannuation calculator
See what your super could be worth at retirement, after contributions tax, fees and inflation.
Estimates for planning only.
Projected balance at 67
$1,574,920
Total contributions
$544,865
Total investment earnings
$1,135,838
Total fees
$165,783
Total contributions tax
$132,451
Year-by-year breakdown
| Age | Contributions | Earnings | Fees | Balance |
|---|---|---|---|---|
| 36 | $9,690 | $4,134 | $702 | $73,122 |
| 37 | $10,049 | $4,982 | $823 | $87,329 |
| 38 | $10,420 | $5,899 | $955 | $102,694 |
| 39 | $10,806 | $6,891 | $1,097 | $119,294 |
| 40 | $11,206 | $7,962 | $1,251 | $137,211 |
| 41 | $11,620 | $9,118 | $1,417 | $156,532 |
| 42 | $12,050 | $10,363 | $1,595 | $177,350 |
| 43 | $12,496 | $11,704 | $1,787 | $199,764 |
| 44 | $12,958 | $13,148 | $1,994 | $223,876 |
| 45 | $13,438 | $14,700 | $2,216 | $249,799 |
| 46 | $13,935 | $16,369 | $2,455 | $277,648 |
| 47 | $14,451 | $18,161 | $2,711 | $307,548 |
| 48 | $14,985 | $20,084 | $2,986 | $339,631 |
| 49 | $15,540 | $22,147 | $3,281 | $374,036 |
| 50 | $16,115 | $24,358 | $3,597 | $410,912 |
| 51 | $16,711 | $26,728 | $3,936 | $450,416 |
| 52 | $17,329 | $29,266 | $4,299 | $492,713 |
| 53 | $17,971 | $31,983 | $4,687 | $537,980 |
| 54 | $18,636 | $34,890 | $5,102 | $586,404 |
| 55 | $19,325 | $37,999 | $5,546 | $638,183 |
| 56 | $20,040 | $41,323 | $6,020 | $693,526 |
| 57 | $20,782 | $44,875 | $6,527 | $752,655 |
| 58 | $21,550 | $48,669 | $7,068 | $815,805 |
| 59 | $22,348 | $52,720 | $7,646 | $883,227 |
| 60 | $22,505 | $57,023 | $8,257 | $954,497 |
| 61 | $21,950 | $61,549 | $8,897 | $1,029,099 |
| 62 | $21,374 | $66,286 | $9,566 | $1,107,193 |
| 63 | $21,283 | $71,262 | $10,272 | $1,189,466 |
| 64 | $22,070 | $76,532 | $11,023 | $1,277,046 |
| 65 | $22,887 | $82,141 | $11,822 | $1,370,252 |
| 66 | $23,734 | $88,110 | $12,672 | $1,469,424 |
| 67 | $24,612 | $94,460 | $13,576 | $1,574,920 |
How much super will I have at retirement?
It depends on four things: what you have now, what goes in each year, what the fund earns after fees and tax, and how long you leave it. This calculator projects all four forward year by year, taking 15% contributions tax off employer and salary sacrifice contributions, taxing fund earnings at 15%, and deducting the percentage and flat fees your fund charges. Because small differences compound over decades, treat the result as a direction rather than a number.
What is the super guarantee rate?
The super guarantee is the minimum your employer must contribute on top of your wages. It rose in steps over the past decade and reached 12% on 1 July 2025, which is where the legislated increases end. If your package is quoted as a total including super, a rise in the guarantee rate comes out of your take-home pay rather than being added to it, so it is worth checking how your employment contract is worded.
How is super taxed?
Concessional contributions — the super guarantee and salary sacrifice — are taxed at 15% going in, which is why sacrificing is attractive if your marginal rate is higher than that. Earnings inside the fund are also taxed at 15%, though franking credits and the CGT discount usually pull the effective rate below that. After-tax contributions are not taxed again on the way in. From age 60, withdrawals from a taxed fund are generally tax free.
What is the concessional contributions cap?
There is an annual limit on concessional contributions covering both your employer’s super guarantee and anything you salary sacrifice. Go over it and the excess is taxed at your marginal rate rather than 15%, which removes the benefit entirely. High earners can hit the cap on the super guarantee alone, so it is worth checking before setting up a sacrifice arrangement. This calculator flags when your contributions cross the cap on your current salary.
What is Division 293 tax?
Division 293 is an extra 15% tax on concessional contributions for people whose income plus those contributions exceeds a set threshold. It effectively lifts the contributions tax rate from 15% to 30% on the amount above the threshold. Super remains tax-advantaged at that income level, but by a smaller margin than the headline 15% rate suggests, which changes the maths on salary sacrificing.
Why does the calculator show today’s dollars?
A million dollars in thirty years will not buy what a million dollars buys now. Showing the projection in today’s dollars discounts the future balance by inflation so you can judge it against prices you actually recognise. The nominal figure is the larger, more flattering number, and it is the one most advertising quotes. Turn the toggle off if you want to see it.
When can I access my super?
Super is preserved until you reach preservation age, which is 60 for everyone now retiring, and generally until you also retire or meet another condition of release. Limited early access exists for severe financial hardship, compassionate grounds and terminal illness, but it is deliberately hard to get. This is the practical difference between super and other savings: the balance may be large, but it is not available to you before then.
What this calculator does not include
It does not deduct insurance premiums, which most funds charge by default and which can be significant over a career. It does not include the age pension, the government co-contribution, spouse contributions, the low income super tax offset, carry-forward of unused concessional cap, or bring-forward of non-concessional contributions. It assumes one steady return with no market volatility, and it does not apply the transfer balance cap at retirement.
Super is one income stream, not the whole plan
Super is locked away until preservation age and its rules change with every budget. A lot of Australians build a second stream alongside it with an investment property, which is a very different set of levers.
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What you worked out
Projected balance at 67
$1,574,920
- Current age
- 35
- Retirement age
- 67
- Current balance
- $60,000
- Salary
- $95,000
- Investment return
- 7.5%
- Total contributions
- $544,865
- Total investment earnings
- $1,135,838
- Total fees
- $165,783
What this means for you
- At $1,574,920 you're tracking above the $595,000 ASFA associates with a comfortable retirement for a single person. That's the point at which what you hold outside super starts to matter more than what's in it.
- An extra $50 a week into super would add roughly $182,040 by age 67. Worth weighing against what the same money would do servicing an asset you can access before preservation age.