Superannuation Calculator
Estimate your super balance at retirement based on your age, salary and the current 12% super guarantee. See how extra contributions and investment returns compound over time.
Disclaimer
This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.
Frequently Asked Questions
What is the super guarantee rate in 2025-26?
When can I access my super?
How much super should I have at my age?
What is Superannuation?
Superannuation (super) is Australia's compulsory retirement savings system. Employers contribute 12% of your ordinary time earnings to your super fund.
How this calculator works
This calculator projects your super balance at retirement using compound growth. It takes your current balance, adds annual employer contributions (12% SG), any extra contributions you make, and applies investment returns at your chosen rate (conservative 5%, balanced 7%, or growth 9%). The projection chart shows how your balance grows over time, with the split between your contributions and investment growth. The 4% rule estimate shows how much annual income your super could provide in retirement.
All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.
Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.