Australian Superannuation Calculator
See what your super could be worth at retirement after contributions tax, earnings tax and fees, and how salary sacrifice, lower fees or a different return change the result.
Your Super Details
Preservation age 60, Age Pension 67
Employer SG of 12% is always included: $11,400 in year one.
Personal non-concessional contributions. Cap is $130,000 a year from 1 July 2026.
Most funds charge 0.5% to 1.2%
Per year
extra at retirement if you sacrificed another 3% of salary (before the cap check).
extra at retirement just from paying half a percent less each year.
left under the $32,500 concessional cap after employer SG and salary sacrifice.
Where the Balance Comes From
Frequently Asked Questions
The Super Guarantee (SG) is 12% of your ordinary time earnings from 1 July 2025 onward, so it applies for the whole of 2026-27. Your employer pays it on top of your salary, up to the maximum super contribution base ($270,830 for 2026-27). It is paid to your fund at least quarterly.
Recommended Personal Finance & Wealth Classics
Master compounding, tax optimization, and index fund investing with bestselling guides like 'The Psychology of Money' and 'The Simple Path to Wealth'.
Estimates Only - Not Financial Advice
This projection assumes a constant return, steady salary growth and contributions made evenly through each year. It does not model insurance premiums, career breaks, the Age Pension, Division 296 tax on very large balances or future legislative changes. Rates and caps reflect the 2026-27 ATO figures at the time of writing. Check ato.gov.au or speak with a licensed adviser before making decisions about your super.
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