Superannuation retirement calculator
Project your Australian superannuation balance at retirement with 11.5% compulsory employer SG contributions and salary sacrifice. Free.
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About this tool
Project your future super balance at retirement. Factor in the compulsory 11.5% Superannuation Guarantee, 15% fund contributions tax, and long-term compound 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
Will the Super Guarantee increase above 11.5%?
Yes. Under federal legislation, the compulsory Super Guarantee rate increases to 12.0% on 1 July 2025.
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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