Super calculator
Estimate how much super you'll have when you retire, in today's dollars, and how extra contributions change it.
Returns, fees and inflation
Example Uses the 12% super guarantee and 2026–27 caps. General information, not financial advice.
Super at retirement, in today's dollars
In future dollars
Employer super this year
Fees until retirement
Balance in today's dollars, by age
How to use it
- Enter your age, balance and salary.
- Add any extra contributions.
- Check the returns and fees, then read your projected balance.
Questions
What is 'today's dollars'?
The future balance adjusted for inflation, so you can compare it with what money buys now.
What are the 2026–27 contribution caps?
$32,500 a year for before-tax (concessional) contributions, which includes your employer's super, and $130,000 for after-tax (non-concessional) contributions.
How is salary sacrifice taxed?
Before-tax contributions are usually taxed at 15% when they go into super, instead of your marginal tax rate. Higher earners may pay more.
Is this financial advice?
No. It's a general estimate based on the assumptions shown. Returns aren't guaranteed. Consider speaking to your super fund or a licensed adviser.