Australian Superannuation Calculator
Project your super balance to retirement, see the impact of salary sacrifice, and compare your estimate with the ASFA comfortable retirement standard.
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You will need: age, current super balance, salary, contributions.
About You
Your employer pays 12% on top as super
Contributions
Extra pre-tax contributions on top of employer super. If income plus before-tax super contributions is above $250,000, Division 293 can add 15% tax to some contributions.
Assumptions
Defaults are general assumptions, not predictions. Change them to match your fund.
Investment fee is a percentage of your balance. Admin fee and insurance are fixed dollar amounts deducted from your balance each year (check your fund's annual statement). Leave the dollar fields blank if you are not sure.
Projected using 7% returns less 0.7% fees, 2.5% inflation and 3% salary growth.
Estimates only, not financial advice. Projections depend on assumptions that will not match reality exactly, and exclude the Age Pension, insurance premiums, and tax on investment earnings in pension phase. Consider seeking licensed financial advice.
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Frequently asked questions
How much super does my employer have to pay?
The superannuation guarantee is 12% of ordinary time earnings from 1 July 2025. It is paid into your fund on top of your salary unless your package is quoted as super-inclusive. Employers only have to pay it on earnings up to the maximum contribution base ($270,830 for 2026-27, which is indexed each year), so the calculator projects employer super on the lower of your salary and that base. An employer can pay more than the guarantee under your contract.
Why does salary sacrifice save tax?
Salary-sacrificed contributions are taxed at 15% inside super instead of your marginal income tax rate. If your marginal rate is 30%, every dollar sacrificed saves about 15 cents of tax while adding to your retirement balance. The calculator shows the annual and lifetime saving.
What is the concessional contributions cap?
Employer contributions plus salary sacrifice count towards a $32,500 annual concessional cap (FY2026-27). Contributions above the cap are effectively taxed at your marginal rate, so the calculator warns you before you cross it.
What is the ASFA comfortable standard?
A benchmark retirement budget published by the Association of Superannuation Funds of Australia, covering things like private health insurance, a reasonable car and an annual holiday. The calculator compares your projected retirement income against it to show whether you are on track.
Does the calculator include fees and Division 293 tax?
Yes. Enter your fund fees as a percentage investment fee plus fixed dollar admin and insurance amounts, and the projection deducts them from your balance each year. If your income plus before-tax contributions is above $250,000, Division 293 adds an extra 15% tax to the affected concessional contributions, and this is included in the projection and in the salary sacrifice saving. It is estimated from your salary only, so spouse income and other adjustments are not modelled.
Can I access my super at the retirement age I enter?
Not always. Super is preserved until you reach your preservation age, which is 60 for anyone born after 30 June 1964, and you also need to meet a condition of release: retiring after reaching that age, leaving a job after turning 60, or turning 65. The calculator projects your balance to whatever retirement age you enter, but for an age below 60 it does not estimate a retirement income from that age, because the balance generally cannot be drawn on yet.
Are the projections guaranteed?
No. They depend on assumed investment returns, fees, inflation and salary growth, and small changes compound over decades. Adjust the assumptions to see the range of outcomes, and treat the result as a planning guide.