Enter what you have and how long until you can touch it. Your employer is contributing right now — watch it compound.
Current Super Balance AUD
Check your fund app or statement
Annual Salary (pre-tax)
Used to calculate employer SG contributions
Your Current Age
Sets access age & years to go
Years Until You Can Access Super
Preservation age 60 — can be extended to model keeping super longer
—
Enter your age above
—45 yrs
Drag to model staying invested beyond preservation age
Projected Super Balance
$868,468
at age 60 · Balanced fund · 7.2% net return
Annual income (4% rule)
$34,739/yr
Monthly drawdown
$2,895/mo
Daily in retirement
$95/day
$16.77/day
Your current balance earns this much today — without you doing a thing
Your balance grows to
$0
—% of total
Employer adds
$0
—% of total
Extra contributions add
$0
—% of total
Growth Over Time — Stacked Contributions
⚡ What if you added extra contributions?
Extra per month:
Adding $200/mo grows your balance by an extra —
Extra personal super contributions are taxed at 15% on entry (concessional) — still beats income tax for most earners. Your employer is contributing 12% of your salary automatically.
What age can I access my super in Australia?
For most Australians born after 1 July 1964, the preservation age is 60. You can access super as a lump sum or income stream once you reach 60 and retire, or when you turn 65 regardless of employment status. Earlier access is possible in limited circumstances (severe financial hardship, terminal illness, etc.).
How much will my employer contribute to my super?
The Superannuation Guarantee (SG) rate is 12% of your ordinary time earnings from 1 July 2025. This calculator uses 12% and applies the 15% concessional contributions tax, giving you a net contribution of about 10.2% of salary into your fund. Contributions paid in this tax year (2024-25) are at 11.5%.
What return rate should I use for my super?
Returns shown here are after the 15% tax on fund earnings (which applies inside super). A Balanced option typically returns 7-8% before this tax — around 6-7% net. Growth options have historically returned more but with more volatility. Most industry funds target CPI + 3.5% for their Balanced option over rolling 10-year periods. For a 20+ year horizon, Balanced or Growth is usually appropriate.
How are extra super contributions taxed?
Concessional (before-tax) contributions — including salary sacrifice and employer SG — are taxed at 15% on entry, capped at $30,000/year (2024-25). This is typically far lower than your marginal income tax rate. Non-concessional (after-tax) contributions have no entry tax but a separate $110,000/year cap. This calculator assumes your extra contributions are concessional (salary sacrifice).
This calculator is for educational purposes only and does not constitute financial advice. Returns are not guaranteed. Figures are estimates based on constant return assumptions and do not account for fund fees (typically 0.5–1.5%/yr), insurance premiums, or investment volatility. Consult a licensed financial adviser for personal super strategy.
This calculator is educational only, not personal financial advice. Numbers are indicative — actual lender assessments vary based on their specific credit policies, your individual situation, and factors this tool cannot capture. Always speak with a licensed broker or advisor before making financial decisions. See our glossary for term definitions.