Super & Retirement Calculator
Project your superannuation balance at retirement, see roughly what it could pay you each year, and check where you sit against the Age Pension asset limits.
About you
Contributions
Your employer’s Super Guarantee is 12% of ordinary-time earnings (up to the maximum contribution base of $270,830 for 2026-27), and is included automatically.
Assumptions
Balance over time
| Years to retirement | – |
| Total contributions (after 15% contributions tax) | – |
| Investment earnings after fees | – |
| Balance at retirement (nominal dollars) | – |
| Estimated income per week (same dollars as above) | – |
Age Pension check (assets test only)
How this super calculator works
Each year your salary grows, your employer contributes 12% of it (up to the maximum contribution base), and any extra contributions you enter are added. Before-tax contributions pay 15% contributions tax when they enter your fund; after-tax contributions don’t. The balance then earns your chosen return less fees. At retirement, the balance is spread into an annual income that lasts until your chosen age, using your retirement return rate.
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Frequently asked questions
What is the super guarantee rate?
The Super Guarantee is 12% of ordinary time earnings, which is the rate since 1 July 2025. Since 1 July 2026, employers must also pay super at the same time as wages (“Payday Super”), with contributions expected to reach your fund within 7 business days.
How much can I contribute to super each year?
For 2026-27 the concessional (before-tax) cap is $32,500 and the non-concessional (after-tax) cap is $130,000. Employer contributions count towards the concessional cap. If you have unused cap from the last five years and a low enough total super balance you may be able to carry it forward. Contributions above the caps can attract extra tax.
Is the result guaranteed?
No. Investment returns, fees, legislation and your salary will vary, so the calculator shows one possible outcome. Try different return rates to see a range.
Why show today’s dollars?
A million dollars in 30 years buys less than a million dollars today. Adjusting for inflation gives you a more realistic idea of what your retirement balance and income could buy.
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General information only, not financial advice, and it does not take your personal circumstances into account. Division 293 tax (extra 15% for high incomes), Division 296 tax (extra tax on earnings for balances above $3 million), spouse contributions, insurance premiums, the Government co-contribution and taxes on pension-phase income aren’t modelled. Age Pension figures are the assets-test limits effective from 20 September 2026 and the income test and other rules also apply; use the Services Australia Age Pension estimator before making decisions. Consider speaking with a licensed financial adviser. See our disclaimer & privacy page.