Superannuation calculator
Calculate Australian superannuation growth with 11.5% compulsory employer contributions, salary sacrifice and compound returns.
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About this tool
Project your Australian super balance at retirement. Model compulsory 11.5% employer super guarantee contributions, personal salary sacrifice deposits (with 15% super fund tax), and compound annual investment growth.
How to use it
- 1 Enter your current superannuation balance and annual gross salary.
- 2 Enter any voluntary monthly pre-tax contributions (salary sacrifice).
- 3 Set your current age, target retirement age, and expected annual return.
Questions
What is the concessional contributions cap?
The general concessional super contributions cap is $30,000 per financial year, covering employer super guarantee and personal pre-tax contributions.
How much super do I need to retire comfortably in Australia?
The Association of Superannuation Funds of Australia (ASFA) estimates a single person needs around $595,000 and a couple needs $690,000 in super for a comfortable retirement.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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