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Projection · Salary sacrifice · Super vs property · Division 293 · LISTO · Pension drawdown
All calculations based on current ATO rules. 2025-26 rates.
🕐 Your working life — drag to change your current age
Age 183040506075+
Years workedYears to goRetirementAge: —
Your situation
Used for SG, salary sacrifice & tax calculations
Employer SG at 12% · 15% concessional tax on entry · 15% earnings tax inside fund · inflation-adjusted by 2.5% p.a.
Projected balance at preservation age (60)
$—
In today's dollars: $—
Balance over time
⚠️ Projections assume constant return, no fee drag (deduct 0.5–1.0%/yr from the return for your fund's fee), and continuous employment. This is educational only, not financial advice. Source: ATO SG rates, APRA fund performance data.
Salary sacrifice reduces your taxable income. The contribution enters super at 15% tax — far less than most marginal rates.
$0$500/mo$2,000/mo
Year-by-year salary sacrifice impact on your super
⚠️ Concessional contributions cap: $30,000/yr (2024-25), including employer SG. Exceeding the cap means excess taxed at marginal rate. Division 293 (extra 15%) applies if income + concessional contributions exceed $250,000. Salary sacrifice must be arranged with your employer before the income is earned — you cannot backdate it.
Head-to-head: putting the same dollars into super salary sacrifice vs an investment property deposit. Both after-tax, after-costs.
Annual salary sacrifice OR property deposit saved
Australian long-run average ~6.5%
⚠️ Property model: leverage applied to deposit amount, capital gain on full property value, 50% CGT discount, 32% marginal rate. Negative gearing benefit estimated. Super model: 12% p.a. SG from salary, 15% entry tax, 15% earnings tax, tax-free at 60+. Both models exclude transaction costs (stamp duty, legal fees) and ongoing costs (strata, rates, management). Real outcomes vary significantly.
Super has its own tax system. Understand every rate that applies to you.
Your tax profile
Tax on concessional contributions
—
Division 293 surcharge
—
LISTO credit (low income)
—
Tax on fund earnings (accumulation)
15%
Tax on pension phase earnings
0%
Withdrawal tax at 60+
0% (tax-free)
Transfer Balance Cap (pension phase)
$1.9M
⚠️ Tax rates are 2024-25 rules. Division 293 threshold is $250,000 (income + concessional contributions). LISTO applies to incomes below $37,000 — ATO automatically calculates and deposits into your fund. Transfer Balance Cap is $1,900,000 in 2024-25, indexed to CPI.
How long does your super last? The 4% rule meets real ATO minimum drawdown rates.
Or use the projected balance from Tab 1
ASFA Comfortable standard: $51,278 single / $72,148 couple (2024)
1%4.0%12%
The classic "4% rule" is the FIRE-community starting point
⚠️ Age pension rates are 2024-25 Centrelink rates. Asset test and income test apply — actual entitlement depends on your full financial situation. Minimum drawdown rates apply from age 60: 4% at 60-64, 5% at 65-74, 6% at 75-79, 7% at 80-84, 9% at 85-89, 11% at 90+. This calculator uses your stated income requirement, not minimums.
Personalised to your situation — based on what you entered