Save & Invest · Retirement savings
Superannuation Calculator — Where will your super land?
Project your super balance at retirement from your salary, employer contributions and a few extra dollars.
What you enter
- Current super balance
- Annual salary
- Salary sacrifice (pre-tax)
- Investment return
- Current age
- Retirement age
How this is calculated
Each year we add your employer's 12% Superannuation Guarantee plus any salary sacrifice (clipped so SG + sacrifice stays within the $32,500 concessional cap for FY 2026–27), take out the 15% contributions tax, and grow the balance at your assumed return. The projection runs to your retirement age; the 4% figure shows the annual income that balance could sustainably support.
Common questions
Is my super on track for my age?
Rough benchmarks: to retire comfortably at 67, various analyses suggest around $60,000 by 30, $150,000 by 40, $310,000 by 50. Use the demographic ranking page to see your exact percentile against the real ATO distribution for your age and sex.
Why is salary sacrifice tax-effective?
Sacrificed dollars are taxed at 15% going into super instead of your marginal rate (30–45% for most full-time earners). On a $90,000 income, each sacrificed dollar saves about 15c in tax — but it's locked away until preservation age 60.
What does the projection leave out?
Fund fees and insurance premiums (assume your return input is net of fees), earnings tax inside the fund, non-concessional contributions, Division 293 tax for very high earners, and future changes to the SG rate or caps. Returns are assumed constant, which real markets are not.
How does it rank?
Once you have your result, see how your number compares against your demographic with our full money rank — by age, sex, state and household composition.
Methodology & data
SG 12% · 15% CONTRIB TAX · INDICATIVE. Australian context, FY 2026–27 tax brackets by default (15% lowest marginal rate from 1 July 2026) with a financial-year selector on tax calculators. Calculations are indicative and based on simplified public models — not personal financial, tax or legal advice. See the full disclaimer.
Primary data sources
- Australian Taxation Office — Taxation Statistics — Individuals Tables 3A & 4A (income by age, sex & state) (2023–24)
- Australian Bureau of Statistics — Household Income and Wealth, Australia — net worth by age & net-worth quintiles (2019–20)
- Australian Taxation Office — Taxation Statistics — Individuals Table 22 (super balance by age) & Table 23A (age × sex) (2023–24)
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