Superannuation Calculator (Australia)

How the estimate works

Your employer must pay the super guarantee, which is 12% of your earnings, into your fund. The calculator takes your current balance, adds each year’s contributions (after the 15% tax on contributions) and grows everything at the return you choose, until the age you plan to retire. Contributions rise each year in line with your salary growth.

Example

A 30-year-old on $90,000 with $40,000 in super, retiring at 67 with a 6% return after fees and 3% salary growth, could reach about $2.07 million. With 2.5% inflation, that is worth roughly $832,000 in today’s dollars.

Limits and facts for 2026-27

• The super guarantee rate is 12%, with no further increases scheduled.
• The yearly cap on before-tax contributions is $32,500. Going over it can mean extra tax.
• Employers need not pay super guarantee on earnings above $270,830 a year.

Keep in mind

Real returns vary a lot from year to year, fees and insurance premiums reduce your balance, and tax on contributions can be higher for high earners. Treat the result as one possible outcome and test a lower return. This is general information, not financial advice, so for decisions about your own super, speak with a licensed adviser or check moneysmart.gov.au.