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Super
Super Projection Calculator
Estimate your superannuation balance at retirement, factoring in SG, salary sacrifice, fees and expected returns.
Super projection calculator
Estimate your super balance at retirement based on your salary, contributions, investment option and fees.
Investment return
Returns are net of tax and investment fees.
Administration fees
Default fees applied: $59 p.a. plus 0.11% p.a. of your account balance.
Enter your super balance, salary and ages to see your projection.
Disclaimers
- This is a model based on a set of assumptions, it is not a prediction. Do not rely on these estimates to make financial decisions.
- Projected amounts are estimates only and are not guaranteed. Your final super will depend on personal circumstances, life events, investment earnings, tax and inflation.
- The calculator assumes steady, predictable contributions and that all assumptions operate at set, steady rates for as long as you remain in the fund.
- Reuse the calculator as your circumstances change and update assumptions to reflect your personal situation.
- Consider your own investment objectives, financial situation and needs, and speak with a licensed financial adviser before making retirement decisions.
General assumptions
- Works for accumulation accounts only, not for defined benefit accounts.
- Your account balance is assumed to receive all income and outgoings mid-year, apart from Government co-contributions (assumed to be received at the end of the year).
- Projected balances are shown at 1 July after you reach the indicated age.
- Results can be shown in today's dollars (adjusted for inflation) so future amounts are easier to interpret.
Inflation
- 2.5% each year for CPI inflation (rising cost of living).
- A further 1.2% each year for the rising cost of community living standards.
Contributions
- Employer contributions default to 12% of ordinary time earnings (the Super Guarantee rate).
- Employer and voluntary contributions are assumed to increase with inflation.
- Before-tax (salary sacrifice) contributions are automatically capped at the concessional contributions cap: $32,500 from 1 July 2026, indexed with wage inflation in $2,500 increments.
- After-tax (non-concessional) contributions are capped at 4× the concessional cap; the three-year bring-forward rule is not applied.
- If your projected total super balance exceeds the transfer balance cap in any year, non-concessional contributions are restricted to zero for that year.
- The transfer balance cap is $2,100,000 at 1 July 2026 and is indexed with CPI inflation in $100,000 increments.
- Government co-contributions and the low-income super tax offset are applied where you appear to qualify based on income.
Tax
- Assumes your tax file number (TFN) has been provided to your super fund.
- 15% contributions tax is deducted from employer and salary sacrifice contributions.
- Contributions are automatically capped, so no allowance is made for excess-contributions tax. No allowance is made for tax on benefits taken before age 60.
Investment returns (net of tax and investment fees)
- You can either select a pre-set investment option or enter your own expected return.
- Pre-set options: Conservative 4.2% p.a. · Moderate 4.8% · Balanced 5.5% · Growth 6.2% · Aggressive 6.8%.
- These returns are net of tax and investment fees, and are before administration fees.
- If you enter a manual return, enter it net of tax and investment fees so it is on the same basis as the pre-set options.
- Actual returns will vary year to year and may be negative, the calculator does not model that variability.
Fees
- The default fee setting applies admin fees of $59 p.a. (in today's dollars) plus 0.11% p.a. of your account balance.
- Alternatively, you can switch to manual fees and enter your own fixed dollar fee and percentage-of-balance fee.
- Adviser service fees ($ p.a.) and other percentage-based fees can be added under Advanced settings, and are applied on top of the admin fees above.
- Contribution fees are assumed to be 0%. Insurance premiums are not included.
- Fees are assumed to be tax deductible within super and are charged mid-year on average.
Assumptions and disclaimers adapted from ASIC MoneySmart.
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