Calculate∑ What your result means
This planner combines your employer's compulsory Super Guarantee contributions with any extra voluntary contributions, taxes them at the standard concessional rate, and compounds the result at your assumed investment return.
Australia Superannuation Retirement Planner & Growth Calculator
Project your super balance at retirement from employer contributions, extra contributions and investment growth.
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Verified for 2026-27Methodology 2026-27.1 · reviewed 2026-08-08 · review by 2027-06-01
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Understand your result
Clear context for the values above.
Projected balance at retirement
Projected balance at retirement is included so you can interpret this estimate and make a better-informed comparison.
Employer Super Guarantee (12%)
Employer Super Guarantee (12%) is included so you can interpret this estimate and make a better-informed comparison.
Total contributions (after 15% tax, capped at the concessional cap)
Total contributions (after 15% tax, capped at the concessional cap) is included so you can interpret this estimate and make a better-informed comparison.
Estimated investment growth
Estimated investment growth is included so you can interpret this estimate and make a better-informed comparison.
How to use this calculator
- 1Enter your current current super balance, annual salary, super guarantee rate, extra voluntary contribution, years to retirement, expected annual return, annual salary growth, annual non-concessional contribution, annual investment fee, annual administration and insurance fees, inflation for today’s-money view.
- 2Review the headline projected balance at retirement and the supporting figures beside it.
- 3Change one input at a time to see which assumption has the biggest effect.
- 4Confirm current Australian rates and thresholds with an official source before acting.
Explore this calculator
What your result means →The headline projected balance at retirement is based on the inputs currently shown above.Key terms explained →Review the key terms and figures used to calculate this result.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard formula for this calculator. Results update whenever an input changes.Worked example →Using the current values produces $1,107,225.Assumptions and limitations →Review the assumptions used to produce this estimate before relying on it.Costs or factors not included →Review any costs, fees or rules not automatically included before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?
▦ How this calculator works
Employer contributions are calculated as 12% of salary (the Super Guarantee rate from 1 July 2025). Employer plus extra contributions are capped at the $32,500 2026–27 concessional contributions cap before the 15% contributions tax is applied; any amount above the cap is shown separately and excluded from the compounding projection. The net monthly contribution stream is then compounded forward at your expected annual return for the number of years entered.
◇ Assumptions and what's not included
Entered percentage fees, annual administration/insurance costs, salary growth and contribution mix are modeled. Fund-specific insurance changes, investment volatility and additional ATO tax on excess concessional contributions are not predicted.
▤ What to do next
Use this for a long-range planning view, revisit it whenever your salary or fund performance changes materially, and check your annual statement to confirm actual contributions and fees.
Australia-specific contextFigures use AUD and current published rates and thresholds.
Reviewed for clarityUpdated 3 August 2026.
ImportantFor planning and educational use — not tax, legal or financial advice.
Your privacy mattersInputs stay in your browser.
Frequently asked questions
Is the 12% Super Guarantee rate correct for every year?+
12% applies from 1 July 2025. Earlier years used lower rates (11.5% in 2024–25), so a projection spanning past years would understate historical contributions.
Does this include salary sacrifice?+
Enter any salary-sacrificed or personal concessional contributions in the extra contribution field — it is taxed at the same 15% rate as employer contributions, up to the concessional cap.
Why is investment growth not guaranteed?+
Superannuation is typically invested in market-linked options, so actual returns vary year to year and can be negative in some years, unlike this smoothed average-return projection.
Does this account for the concessional contributions cap?+
Yes — employer and extra contributions above the $32,500 2026–27 concessional cap are flagged as a separate 'above the cap' figure and left out of the compounding projection, since they don't get the standard 15% treatment. The ATO applies extra tax to genuine excess contributions, which isn't calculated here.
Official references
Rules and thresholds used by this calculator are labelled for 2026–27 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.
Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.