Superannuation Calculator — Your Super at Retirement
Project your Australian super balance from salary and employer contributions.
✓ 12% SG rate (from Jul 2025) · updated June 2026
Uses the 12% Super Guarantee rate (since 1 July 2025) with the 15% contributions tax deducted. Figures are in today's dollars if you use a real (after-inflation) return.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Estimate how your superannuation grows to retirement. The calculator applies the Super Guarantee (12% of salary since 1 July 2025), deducts the 15% contributions tax, grows your salary annually and compounds investment returns monthly on top of your current balance. Use a real (after-inflation) return to read the result in today's dollars.
How to use the Superannuation Calculator
- Enter your annual salary and current super balance.
- Set your current age and planned retirement age.
- Check the Super Guarantee rate (12% since July 2025) and expected return.
- Read your projected balance, total contributions and investment growth.
Frequently asked questions
What is the Super Guarantee rate?
The minimum your employer must contribute — 12% of ordinary time earnings since 1 July 2025, after rising in steps from 9.5%. It's paid on top of (or as part of) your package, into your super fund.
Why is 15% deducted from contributions?
Employer and salary-sacrifice contributions are taxed at 15% on the way into the fund (less than most people's marginal rate, which is the incentive). This calculator deducts it before compounding.
Can I add extra to super?
Yes — salary sacrifice or personal deductible contributions up to the concessional cap ($30,000 a year including employer contributions) get the same 15% tax treatment, and extra amounts can go in as non-concessional contributions.