Superannuation calculator: what your super actually becomes.
Your balance at retirement in today's dollars, not a number 25 years away that sounds bigger than it is. Every assumption is editable, the lower-return case sits beside the headline, and one lever is priced so you can see what moving it is worth. On screen as you type, nothing stored.
Every one of them is editable. A projection is only as good as these, so they are on the page rather than buried in a footnote.
Projected balance at 67, in today's dollars
$932,142
$1,815,625 in 67's dollars, after 27 more years of contributions and compounding. Today's dollars is the honest figure - it is what the balance would buy now.
An extra $100 a month is worth $32,307 at 67
In today's dollars, sacrificed before tax over 27 years. It costs about $384 a year of take-home pay, not $1,200, because the contribution comes out before income tax. Whether that trade suits you depends on what else the money is doing - super is preserved until age 60.
A projection, not a promise. Rates and thresholds as at 1 July 2026: super guarantee 12%, concessional cap $32,500, contributions tax 15% (30% on contributions above the $250,000 Division 293 threshold). Returns are assumed steady, which no real portfolio is - the lower-return line is there because a decade below your assumption is ordinary, not exceptional. It leaves out insurance premiums inside super, government co-contributions, spouse contributions, career breaks and part-time periods, and any change to the rules between now and then. Nothing you type is stored or sent. General information only - it does not consider your objectives, financial situation or needs, and is not personal advice.
The three numbers that decide the answer.
Time does the heavy lifting, and it is the one input you cannot change. A dollar contributed at 35 has thirty years to compound; the same dollar at 60 has seven. That is why the projection splits contributions from growth in the panel - for anyone with two decades left, most of the final balance is money the fund earned, not money you put in.
Return, net of fees is the assumption doing the most work and the one nobody should accept blindly. A percentage point of fees over thirty years is not a rounding error, which is why fees are their own editable field rather than being folded into the return. Move it and watch the final figure - that is the argument for caring about it.
Contributions are the only lever fully in your hands, and the least dramatic-looking. An extra $100 a month reads as nothing next to a six-figure balance, which is precisely why the calculator prices it in today's dollars against your own years-to-go rather than leaving you to imagine it.
Once you have a number, the more useful question is whether it is enough. That is a different calculation, and it lives on the retirement readiness check, which measures the same balance against what a comfortable retirement actually costs. If you are already at or near retirement, the Age Pension calculator and the transition to retirement calculator are the next two questions in order.
Superannuation
Frequently asked questions.
How do I work out how much super I'll have at retirement?
Take your current balance, add each year's contributions after the 15% contributions tax, and compound the lot at your fund's return less fees. The part people skip is inflation: a number 25 years away is not comparable to today's prices, so the honest figure is the balance in today's dollars. That is what this calculator leads with, and the nominal figure sits beneath it.
What return should I assume?
There is no right answer, which is exactly why the assumption is editable here rather than fixed. A balanced option has historically returned somewhere in the region of 6-7% a year before fees over long periods, but any individual decade can be well below that. The calculator shows a case two percentage points lower with equal weight, because a long stretch of below-assumption returns is ordinary rather than exceptional, and a projection that only shows the good case is not a projection.
How much does salary sacrifice actually add?
The gap between your marginal tax rate and the 15% contributions tax, compounded for the years you have left. The calculator prices one specific lever - an extra $100 a month - in today's dollars, and shows what it costs your take-home pay, which is less than $1,200 because the contribution comes out before income tax. The trade is access: it is preserved until age 60.
What is the concessional contributions cap?
$32,500 for 2026-27, indexed from $30,000 on 1 July 2026. It counts your employer's super guarantee as well as anything you sacrifice or claim as a deduction. Go over and the excess is added back to your taxable income and taxed at your marginal rate. If your total super balance is under $500,000 you may be able to carry forward unused cap from the previous five years, which is the most underused rule in super.
What is Division 293?
An extra 15% on concessional contributions where your income plus those contributions passes $250,000, taking the contributions tax to 30%. It does not make salary sacrifice pointless at that income, but it halves the advantage, and the projection here accounts for it year by year rather than ignoring it.
Is this personal advice?
No. It is a generic calculator: it does not know your objectives, your other assets, your debts, your health or your plans, and it does not consider them. It is a starting point for a conversation, and the assumptions are on the page so you can see exactly what it did and argue with it.
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A projection is a starting point, not a plan.
The calculator can tell you what your super becomes on these assumptions. What it cannot tell you is whether the strategy behind it is the right one for your situation. That is a conversation.
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