Australia Superannuation Calculator
Project your superannuation balance at retirement from your salary, the mandatory Super Guarantee rate, and investment returns.
Projected balance at retirement
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Total employer contributions —
Investment growth —
AUD amounts. Assumes constant salary and a net-of-fees return; concessional contribution caps and insurance premiums are not modelled.
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How it works
FV = balance × (1+i)ⁿ + monthly SG contribution × ((1+i)ⁿ−1)/i, i = net return/12Frequently Asked Questions
How much super will I have at retirement?
Your employer's Super Guarantee contributions (a set percentage of salary, recently around 11.5% and legislated to keep rising toward 12%) compound over your career. On an $80,000 salary at 11.5% SG with a 6% net return, you'd have roughly $780,000 after 30 years.
What is the Super Guarantee rate?
The minimum percentage of ordinary earnings employers must pay into super, set by legislation and rising in stages — check the current-year rate, as it has increased gradually toward 12%.
Should I make extra (voluntary) super contributions?
Salary-sacrificed contributions are taxed at just 15% inside super versus your marginal income-tax rate, making them one of the most tax-effective ways to save — especially valuable for middle and higher earners, within the annual concessional cap.